Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Re : Credit Report Dispute Request for Deletion of Inaccurate/Unverifiable Information Dear Credit Bureau , I am writing to formally dispute inaccurate and derogatory information contained in my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. In addition, I remind you and the furnishers of your obligations under the GrammLeachBliley Act ( GLBA ) to safeguard consumer data and ensure its proper handling. The following accounts and notations are inaccurate, incomplete, and/or unverifiable, and therefore must be removed immediately.

Disputed Accounts and Issues EDFinancial Services Account # XXXX Status shows Current, was past due 150 days. 

This reporting is inaccurate and derogatory. If the account is current, no prior late status should continue to damage my credit profile.

Additional Accounts Similar Notation Multiple tradelines are reporting Current, was past due 150 days and other derogatory notations.

These late payments are either inaccurate, unverifiable, or incomplete, and therefore must be deleted under FCRA guidelines.

High Credit Utilization Notations My report reflects High credit usage derogatory factors and unverified utilization ratios ( e.g., {$2400.00} balance on a {$3000.00} limit ).

These entries are incomplete and fail to meet the FCRAs accuracy requirements.

Legal Basis for Dispute 15 U.S.C. 1681i You must conduct a reasonable reinvestigation and delete any information that can not be verified.

15 U.S.C. 1681e ( b ) Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c Obsolete or incorrect information must not be reported.

15 U.S.C. 1681c-2 Information resulting from identity theft, or unverifiable information, must be blocked from reporting.

GrammLeachBliley Act ( 15 U.S.C. 68016809 ) Financial institutions and furnishers must safeguard consumer data. Any mishandling of my information that results in inaccurate or unverifiable reporting constitutes a violation and supports deletion of the disputed items.

The above items violate these provisions and must be removed from my credit file.

Requested Action Delete all late payment notations, derogatory remarks, and unverifiable high utilization flags listed above.

Provide me with a corrected copy of my credit report after your reinvestigation.

Provide the method of verification, including the name and contact information of the entity that verified each disputed item.

Please complete your reinvestigation within 30 days as required by federal law. Failure to comply will leave me no choice but to pursue remedies available under the FCRA and GLBA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation