Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XXXX Department of Education Federal Student Aid Information Center XXXX. XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> RE : Formal Request for Student Loan Forgiveness and Review of Account Irregularities To Whom It May Concern, I am writing to formally petition the forgiveness, discharge, or substantial reduction of all federal student loans currently attributed to my name. This request is made pursuant to multiple statutory provisions protecting borrowers from fraudulent certifications, mismanagement by servicers, and unlawful debt collection practices. My situation involves long-term financial injury resulting from serious servicing failures, improperly authorized loans, and blatant disregard for regulatory compliance.

1. Unposted Payments and Breach of Servicing Duties Over the past 15 years, I have made consistent payments via money orders. While no payments were returned, a significant number were never posted or credited to my account. These omissions represent a violation of loan servicer responsibilities under 20 U.S.C. 1087e and 34 CFR 682.208, which require accurate payment application and recordkeeping. Additionally, under 15 U.S.C. 1692e, misrepresentation of payment status may constitute unlawful debt collection practices.

2. Unauthorized Loans from Institutions Never Attended Multiple loans are linked to educational institutions I neither enrolled in nor authorized disbursements from. These loans likely stem from false certifications or identity errors. I invoke my right under 34 CFR 685.215 to request False Certification Discharge and assert eligibility under 20 U.S.C. 1087e ( h ) for Borrower Defense to Repayment. Furthermore, any disbursement made without informed, written consent may breach provisions of the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 70017031 ).

3. Eligibility for Closed School Discharge Should any implicated institutions be defunct or no longer operational, I request consideration for discharge under 34 CFR 685.214. I did not complete the respective programs nor transfer earned credits, meeting the regulatory threshold for relief.

4. Servicing Failures and Deceptive Conduct My former and current loan servicer has engaged in practices including failure to respond to inquiries, incorrect interest accrual, and improper account delinquency reportingdespite my active enrollment and inability for repayment during those periods. These actions violate the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), the Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. ), and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) concerning accuracy and fairness in financial reporting.

5. Economic Harm and Denial of Housing Opportunity This mismanagement has inflated my loan balance and severely impacted my debt-to-income ratio, obstructing my ability to secure housing and achieve financial independence. The adverse effect on my creditworthiness and economic mobility is inconsistent with the goals of federal student aid programs and constitutes und
ue hardship under prevailing legal standards.

Requested Resolution I respectfully request the following actions : A full audit of all federal student loans listed under my name, including payment history and institutional affiliations.

Discharge of all loans erroneously associated with schools I never attended or those that have since closed.

Immediate remediation of misapplied payments and abusive servicing practices.

If total forgiveness is not granted, I propose a compromise settlement in the amount of {$5000.00}, to be repaid via structured installments, enabling financial restoration and compliance with the principles of equity and accountability. 
I appreciate your prompt attention to this matter and anticipate a fair resolution that aligns with both statutory protection and ethical considerations. Please treat this correspondence as a formal appeal under all applicable federal discharge and defense provisions. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response