Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX La XXXX XXXX. 
XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Subject : Formal Dispute / Violation of Protection Agreement To Whom It May Concern : I am writing to dispute the above-referenced student loan debt and to notify you that you have violated my borrower protection agreement. Please consider this letter my formal dispute under the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX. XXXX, and my demand that you immediately cease any collection activity until you have provided me with proper validation of this debt. 

XXXX. Failure to Provide Validation ( XXXX XXXX. XXXX ). 
Under XXXX XXXX. XXXX ( a ), within XXXX ( XXXX ) days of your first communication with me, you were required to send me a written notice containing, at a minimum, the amount of the debt, the name of the creditor, and a statement of my right to dispute the debt. You have neither furnished this notice nor otherwise validated the amount or existence of this debt. This omission violates XXXX XXXX. XXXX ( b ), which prohibits you from continuing collection efforts until you have provided proper verification. 

XXXX. Violation of My XXXX XXXX XXXX. 
On [ Date of Agreement ], I entered into a forbearance/deferment/income-driven repayment protection agreement with XXXX XXXX, during which I was XXXX be exempt from all collection activities and negative credit reporting so long as I complied with the terms. Despite my compliance, you have : Reported this account as delinquent to the credit bureaus ; Threatened further collection actions in letters dated [ date ( XXXX ) ] ; Refused to acknowledge my on-file payment arrangements. 

These actions breach the mutual agreement and also violate your regulatory obligations under the XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and its implementing regulations ( XXXX XXXX. XXXX ( b ) ), which require servicers to honor approved forbearance or deferment requests and to refrain from adverse reporting during such periods. 

What I Demand : XXXX. Validation : XXXX XXXX XXXX. XXXX, send me, within XXXX  days, a complete validation packet including : The principal balance, interest, and any fees currently claimed ; A copy of the signed loan promissory note ; A detailed payment history ; Documentation of my approved protection agreement. 
XXXX. XXXX XXXX : Immediately halt all collection calls, letters, and credit-reporting related to this account until you comply with your FDCPA obligations. 
XXXX. Correct Credit Reporting : Upon receipt of this letter, correct or delete any adverse entry you have made with any consumer reporting agency concerning this account ( XXXX XXXX. XXXX ). 

If you fail to provide validation or continue collection activities, I will have no choice but to file formal complaints with : The Consumer Financial Protection Bureau ( XXXX  ) ; The XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; The XXXX XXXX XXXX Office ; and My states Attorney General for violations of the Texas Debt Collection Practices Act. 

Please direct all future communications regarding this dispute in writing to my address above. I look forward to your prompt compliance. 

Sincerely, XXXX XXXX XXXX La XXXX XXXX. 
XXXX XXXX, TX XXXX Email : [ XXXX ] Phone XXXX

Company response to consumer: Closed with explanation