Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
Subject : URGENT COMPLAINT Unauthorized Student Loan Tradeline & Derogatory Reporting by XXXX XXXX and PHEAA Complainant : XXXX : XXXX U.S. National sui juris, not a corporate person Protected Class XXXX & XXXX recipient All Rights Reserved Under UCC 1-308 COMPLAINT SUMMARY : I am filing this complaint as a private American national, lawfully domiciled in California, in my sovereign and protected capacity as a recipient of XXXX and XXXX benefits, and in full reservation of my rights under UCC 1-308. I am not a corporate fiction, and no valid contract exists binding me to the accounts below. 

I am reporting unauthorized and harmful credit tradeline activity by XXXX XXXX and PHEAA involving a disputed student loan account that has negatively affected my credit file without consent, contract, or proper notice. 



ISSUE TIMELINE : In early 2025, XXXX XXXX ( formerly tied to XXXX ) claimed they had taken over my student loan. 
I never authorized this transfer, never signed any new agreement, and immediately disputed the transfer. 
I never made a payment to XXXX and exercised my legal rights to dispute the assumed obligation. 
Between XX/XX/XXXX and XX/XX/year>, I received an alert from XXXX  and XXXX XXXX that a new tradeline from PHEAA had been added to my report for {$26000.00}, falsely backdated as opened XX/XX/year>. 
The account is listed as Closed, but still marked as In Collections and Derogatory, and shows XXXX % payment made. 



THE VIOLATIONS : Despite showing the account as closed, PHEAA continues to furnish damaging, negative information to the credit bureaus without any proof of debt, consent, or contract. This is : A fraudulent substitution of the previously disputed XXXX XXXX  tradeline An attempt to override my legal disputes and rights by re-labeling the debt under a different servicer An ongoing violation of my right to due process, privacy, and economic protection VIOLATIONS OF FEDERAL LAW : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing false/inaccurate information FDCPA 807 & 809 Failing to provide proper debt validation and notice Truth in Lending Act ( TILA ) Lack of consent or disclosure Violation of hardship class protection under consumer financial law Violation of UCC 1-308 Rights reserved ; no contract or meeting of the minds exists DEMAND FOR IMMEDIATE ACTION : I am demanding that the derogatory PHEAA tradeline be removed in full, including the closed, in collections, and 0 % paid notations. This entry continues to harm my credit and falsely reflects a delinquent loan that I never authorized, accepted, or signed for. 

As a protected consumer and low-income individual, I can not afford to have false and damaging tradelines remain active on my credit file. 



EVIDENCE ATTACHED : Screenshot of PHEAA tradeline showing collections & derogatory status Screenshot showing XXXX removal XXXX XXXX  alert history Identity documents available upon request FINAL DECLARATION : I, XXXX : XXXX , assert under penalty of perjury and with all rights reserved under UCC 1-308, that this complaint is accurate and lawful. I demand that the Consumer Financial Protection Bureau investigate this issue, contact the responsible entities, and compel immediate removal of all fraudulent, unauthorized, and derogatory entries. 

Respectfully submitted, XXXX XXXX : XXXX U.S. National | Private American | Protected Class XXXX & XXXX Recipient All Rights Reserved, Without Prejudice UCC 1-308 Royalty Status Trust

Company response to consumer: Closed with explanation