Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Servicer under contract with Federal Student Aid
State: DE

Complaint narrative:
Thank you for your response. I am providing additional documentation to support my request for correction of the XXXX late payments reported on my student loan account. Failing to adjust the forbearance date despite documented medical hardship replicates the same behavior cited in the previous XXXX lawsuit, and constitutes an unfair and harmful reporting practice under UDAAP and borrower protection standards. Although the forbearance was processed on XX/XX/2025 and XX/XX/2025, the circumstances that required the forbearance occurred much earlier. I was unable to make payments due to XXXX consecutive car accidents, a medical recovery period, and XXXX leave. During this time, my income was reduced significantly and I was unable to manage payments or administrative requests. I am requesting a retroactive correction of the forbearance start date under federal hardship provisions, which would eliminate the reported delinquencies. Servicers are permitted to adjust forbearance dates when the delay in requesting assistance is tied to medical, XXXX, or administrative hardship. The late payments in question occurred during a period when I should have been covered by hardship protection, and the forbearance processing delay does not reflect my actual eligibility dates. I am attaching the following supporting documents : XXXX / medical leave records Accident documentation Forbearance confirmation letters Timeline of events CFPB case confirmation Copy of my credit report highlighting the disputed late payments Documentation related to payment processing issues Based on this information, I am requesting : XXXX. Retroactive adjustment of the forbearance start date XXXX. Removal of all XXXX late payments reported during the hardship period XXXX. Submission of corrected information to all three credit bureaus XXXX. A furnisher correction letter confirming that the late payments have been deleted ( This is required for my mortgage lenders rapid rescore. ) Thank you for reviewing the additional evidence. I look forward to your correction letter confirming the removal of the late payments and the updated credit reporting. 

Thank you for your response. I am providing additional documentation to support my request for correction of the XXXX late payments reported on my student loan account. Failing to adjust the forbearance date despite documented medical hardship replicates the same behavior cited in the previous XXXX lawsuit, and constitutes an unfair and harmful reporting practice under UDAAP and borrower protection standards. Although the forbearance was processed on XX/XX/2025 and XX/XX/2025, the circumstances that required the forbearance occurred much earlier. I was unable to make payments due to XXXX consecutive car accidents, a medical recovery period, and XXXX leave. During this time, my income was reduced significantly and I was unable to manage payments or administrative requests. I am requesting a retroactive correction of the forbearance start date under federal hardship provisions, which would eliminate the reported delinquencies. Servicers are permitted to adjust forbearance dates when the delay in requesting assistance is tied to medical, XXXX, or administrative hardship. The late payments in question occurred during a period when I should have been covered by hardship protection, and the forbearance processing delay does not reflect my actual eligibility dates. I am attaching the following supporting documents : XXXX / medical leave records Accident documentation Forbearance confirmation letters Timeline of events CFPB case confirmation Copy of my credit report highlighting the disputed late payments Documentation related to payment processing issues Based on this information, I am requesting : XXXX. Retroactive adjustment of the forbearance start date XXXX. Removal of all XXXX late payments reported during the hardship period XXXX. Submission of corrected information to all three credit bureaus XXXX. A furnisher correction letter confirming that the late payments have been deleted ( This is required for my mortgage lenders rapid rescore. ) Thank you for reviewing the additional evidence. I look forward to your correction letter confirming the removal of the late payments and the updated credit reporting.

Company response to consumer: Untimely response