Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Report Items To Whom It May Concern : I am writing to dispute multiple inaccurate and potentially fraudulent late-payment entries on my XXXX credit report ( dated XXXX XXXX, XXXX ). The report shows the following negative tradelines, all of which I believe are in error or fraudulent : Auto Loan XXXX XXXX : XXXX missed payments ( account closed ). Credit Card XXXX : XXXX missed payments ( account closed ). Student Loan XXXX : XXXX missed payments ( currently late ; account not opened by me and appears to result from identity theft ). I did not receive any billing statements or delinquency notices for these accounts. In fact, I never opened an account with XXXX and therefore suspect identity theft. These tradelines are being reported without my knowledge or proper validation, in violation of federal law. Under the Truth in Lending Act ( TILA ), creditors must provide timely statements and disclosures before imposing late fees or reporting a payment as late. Specifically, XXXX U.S.C. XXXX ( Timing of Payments ) prohibits a creditor from treating a payment as late unless it mailed the required statement at least 21 days before the due date. Likewise, XXXX U.S.C. XXXX ( b ) requires periodic credit card statements to include a clear due date by which payment must be made. Here, I never received any billing statements showing payment due dates or any notice of delinquency. Because these disclosures were not provided, the furnishers have no lawful basis to report any late payments. The adverse marks on my report therefore appear to be improperly reported. Under the Fair Credit Reporting Act ( FCRA ), both credit reporting agencies and furnishers have strict duties when information is disputed. By law, credit bureaus must promptly reinvestigate any disputed item and delete or correct it if it can not be verified. Furnishers ( like XXXX XXXX, XXXX and XXXX ) must also conduct a reasonable investigation and report the results if a consumer disputes the accuracy of information. In this case, neither the furnishers nor the XXXX have provided evidence that the debts were valid, nor have they corrected the records after I disputed them. Reporting unverified or fraudulent debts without investigation violates FCRA XXXX ( a ) and ( b ) and XXXX. For example, XXXX U.S.C. XXXX ( b ) explicitly requires furnishers to investigate disputes and to modify or delete any information found to be inaccurate. I have formally disputed these accounts, yet the false late payments remain on my report, in clear violation of these duties. The Fair Debt Collection Practices Act ( FDCPA ) also provides protections here. Under XXXX U.S.C. XXXX, if a consumer disputes a debt in writing within XXXX days, the collector must provide verification of the debt and cease collection until that verification is mailed to the consumer. I have requested debt validation for these amounts ( especially the XXXX loan, which is fraudulent ), but no validation or verification has been provided. The collectors/furnishers have thus failed to meet the XXXX validation requirements, compounding the violations. Finally, because the XXXX account is fraudulent and appears to be the result of identity theft, additional protections apply. The XXXX identity theft provisions ( the Identity Theft Eraser rules ) require that once a consumer files an identity theft report, any related fraudulent information must be blocked and not be reported. In particular, XXXX U.S.C. XXXX mandates that a credit bureau block information identified by the consumer as resulting from identity theft within XXXX business days of receiving proof of identity and a copy of the identity theft report. Similarly, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) prohibits a furnisher from reporting information to a CRA if the consumer has submitted an identity theft report claiming that information is fraudulent. I have provided notice of identity theft for the XXXX debt, so its continued reporting is unlawful under these provisions.

Company response to consumer: Closed with explanation