Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
b'To Whom It May Concern,\n I asked XXXX in writing to properly investigate a dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ([15 USC  1681i](b)). I am exercising my right to challenge and correct any inaccuracies in my consumer information.\n\nFirst off they never had any consent to put XXXX XXXX XXXX and U.S. Department of Education on the report and they violated my right of consent.\nnext they reinserted These two accounts without knowledge or warning. They had 5 days to do so and they letter they sent came XXXX XXXX XXXX  I put this dispute in on XXXX XXXX XXXX\nI requested a thorough investigation into these items and expect their removal or correction based on the findings. Moreover, [15 USC  1681s-2(a)(1)] requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The case XXXX XXXX XXXX XXXX XXXX  underscores the obligation to verify significant negative entries. They never completely addressed the discrepancies.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description: AuthorizedUser\n Account Rating: CollectionOrChargeOff\n Account Status: Closed\n Account Type: Revolving\n Balance Owed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due Amount:-\nPayment Amount:-\nPayment\n Frequency:-\nPayment Status: CollectionOrChargeOff\n Term Length:-\nLoan Type:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account\n Description: Individual Individual\n Account Rating: CollectionOrChargeOff CollectionOrChargeOff\n Account Status: Open Open\n Account Type: Open Open\n Balance Owed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 4\nCreditor Remarks:\n ACCOUNT\n INFORMATION\n DISPUTED BY\n CONSUMER-\nCreditor Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPayment Amount:---\nPayment\n Frequency:---\nPayment Status: CollectionOrChargeOff CollectionOrChargeOff\n Term Length:--1\n Loan Type:---\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description: Individual Individual Individual\n Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff\n Account Status: Closed Closed Open\n Account Type: Revolving Revolving Revolving\n Balance Owed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Remarks:\n DISPUTE RESOLVED;\n CONSUMER\n DISAGREES/ACCOUNT\n CLOSED BY CONSUMER\n UNPAID BALANCE\n REPORTED AS A LOSS\n BY CREDIT GRANTOR-\nCreditor Type: Banking Banking\n MiscellaneousAndPublic\n Record\n Date Opened: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 2 of 4\n\n Past Due Amount:-\nPayment Amount: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPayment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff-\nTerm Length:\n Loan Type:\n US DEPT ED\n Account #:\n Account\n Description:\n Account Rating:\n Account Status:\n Account Type:\n Balance Owed:\n Closed Date:\n Credit Limit:\n Creditor Remarks:\n Creditor Type:\n Date Opened:\n Date Reported:\n Date of Last\n Activity:\n Dispute Status:\n High Balance:\n Last Payment:\n Last Verified:\n Past Due Amount:-\nPayment XXXX XXXX Payment\n Frequency:\n Payment Status: CollectionOrChargeOff-\nTerm Length:\n Loan Type:-\nCreditCard\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response