Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am disputing the inaccurate reporting of this alleged student loan. 
The reported default status, balance, and ownership chain are inaccurate and unverifiable. 
This loan was consolidated through the U.S. Department of Education via XXXX. 
XXXX, the prior servicer, shows the balance as XXXX and paid in full. 
ECMC is now reporting the same debt as delinquent and in default, which conflicts with Nelnets reporting of paid in full and XXXX records that the loan was consolidated. 

Under the FCRA ( 15 U.S.C. 1681e ( b ), 1681b, and 1681i ) and the FDCPA ( 15 U.S.C. 809 ), ECMC and the credit bureaus have a legal duty to ensure maximum possible accuracy, maintain a valid permissible purpose for furnishing or accessing my file, and must cease furnishing unverifiable information. 

Additionally, of the account in question, one credit bureau shows ECMC reporting this loan as open with balances and collection months. Another bureau shows the account as closed with conflicting statuses. This inconsistency demonstrates a clear violation of the maximum possible accuracy requirements under FCRA 1681e ( b ).

To date, ECMC has failed to provide : 1. Original Promissory Note A true and certified copy of the original, wet-ink signature promissory note that legally created this debt. 

XXXX. Chain of Assignment / Ownership Complete documentation showing every legal assignment, transfer, or sale of this debt from the original lender to any servicer or trust, including XXXX, ECMC, or any other entity. 

XXXX. Securitization Documents All documents related to the securitization of this debt, including Pooling & Servicing Agreements ( PSA ) or trust agreements showing the debt was securitized, who holds the beneficial interest, and ECMCs legal standing in relation to the trust.

4. Verification of Debt Amount & Status A complete payment history and detailed breakdown proving the exact amount claimed. Explain the conflicting statuses ( closed vs. open ) and why the account shows active collection months despite being paid off through consolidation. 

5. Verification of Original & Current Creditor/Servicer Full name, address, and legal proof of standing for both the original creditor and current servicer/furnisher. Proof that ECMC has the legal right to report, collect, or own this debt. 

6. 1099-C Tax Reporting A true and certified copy of any 1099-C filed for any charged-off, canceled, or forgiven amounts over {$600.00} as required by the IRS. I have never received this form.

7. Permissible Purpose Proof that you have a valid permissible purpose under FCRA 1681b to access, report, or furnish this information to any credit bureau. Unverified or inaccurate data must not be furnished or accessed.

Cease Reporting & Collection Notice Until you provide the requested documentation and fully validate this debt, you must : -Immediately cease all collection and reporting activity, -Permanently delete this account from all credit bureaus, -Refrain from selling or transferring this alleged debt to any third party, -Notify any third parties with whom this data was shared of its dispute and inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief