Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: TX

Complaint narrative:
**Complaint Summary for the Consumer Financial Protection Bureau XXXX CFPB ) ** **Consumer Information** **Name** : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX **Subject** : Unauthorized Reporting and Selling of Personal Information **Details of the Complaint** : I am filing this complaint against the following companies for the unauthorized sale and reporting of my personal information without my consent : 1. **Credit Reporting Agencies Involved** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have collected and sold my personal information, violating my consumer rights under **15 USC 6802** ( regarding the privacy of consumer financial information ) and **15 USC 1681** ( Fair Credit Reporting Act ). I did not grant permission for any of these companies to sell, report, or share my personal information. 

**Demands for Action** : I demand the immediate removal of all information listed below from my credit report, as it has been reported without my consent and contains inaccuracies : XXXX. **Incorrect Name** : - The name XXXX XXXX is incorrectly listed on my credit report. My correct name is XXXX XXXXXXXX XXXX Remove all references to XXXX XXXX from my profile immediately. 

XXXX. **Incorrect Addresses** : - The addresses XXXX XXXX XXXX, XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Texas XXXX are incorrectly associated with my profile. Remove these incorrect addresses immediately. My correct address is XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. 

XXXX. XXXX XXXX XXXX XXXX : - **Account Number** : XXXX - **Date Opened** : XX/XX/XXXX - **Term** : 54 months - **Balance** : {$18000.00} - **Original Balance** : {$20000.00} - This account is inaccurately reporting late payments in XXXX and XXXX and XXXX of XXXX, along with a repossession in XXXX and XXXX of XXXX, and a charge-off reminder for the remainder of XXXX. It also shows a charge-off for XXXX, with a written-off balance of {$18000.00} past due as of XX/XX/XXXX. This account must be investigated and corrected, and any unauthorized reporting must cease immediately. 

XXXX. **ED Financial Services Account** : - **Account Number** : XXXX - **Balance** : {$1800.00} - **Original Balance** : {$1500.00} - **Date Opened** : XX/XX/XXXX - The information listed for this account is incorrect and violates consumer rights under **15 USC 1682** ( Fair Credit Reporting Act ). This account must also be removed from my report. 

All inaccuracies and accounts reporting information without my consent must be removed from my credit profile immediately. These actions violate my rights under federal laws concerning credit reporting, including **15 USC 6802**, **15 USC 1681**, and **15 USC 1681i**, which requires credit reporting agencies to conduct reasonable investigations of disputes. 

I request the CFPB to investigate these violations and take appropriate action against the involved parties to ensure my consumer rights are upheld. 


Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation