Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am filing this complaint against the XXXX Department of Education XXXX Federal Student Aid due to the persistent furnishing of highly inaccurate, inconsistent, duplicated, and unverifiable information to all three major credit reporting agencies ( Experian, Equifax, and TransUnion ) concerning my federal student loan accounts. This inaccurate reporting is causing significant harm to my credit profile. 

My credit reports, specifically dated XX/XX/XXXX, consistently display XXXX different DEPT OF XXXX / XXXX accounts ( all associated with account ending in XXXX XXXX XXXX XXXX  XXXX, with individual sub-account numbers such as * XXXX, * XXXX, etc. ) as XXXX XXXX  Days XXXX XXXX. ' This status is maintained despite XXXX XXXX ' dates being reported as XX/XX/XXXX, or XX/XX/XXXX. It is highly improbable and contradictory for accounts to show such severe delinquency when payment activity, or lack thereof, suggests otherwise, or when a consistent " {$0.00} ' or blank is reported for XXXX XXXX XXXX ' or XXXX. ' Furthermore, there are profound inconsistencies across the credit bureaus for these loans : Loan balances, delinquency statuses, and due dates vary illogically, indicating a lack of a single, accurate data source. 

Multiple loan entries appear to be duplicated or incorrectly split, creating a false and inflated representation of my actual student loan obligations. 

My TransUnion report shows " X ' ( Unknown ) ratings for several months in the payment history, which points to missing or unclear data that directly impacts accuracy and negatively affects my credit score. 

I have formally disputed these inaccuracies multiple times with the credit bureaus ( Experian, Equifax, and TransUnion ) in XX/XX/XXXX. Their reinvestigation outcomes, as noted on my reports ( e.g., 'Completed investigation of FCRA XXXX consumer disagrees, " 'Consumer Disputes - Reinvestigation in Process, ' XXXX / XXXX  XXXX XXXX XXXX clearly demonstrate that the issues remain unresolved and that the data being provided by the Department of Education XXXX XXXX XXXX servicer XXXX, is XXXX incorrect or inadequately verified. The persistence of these severe delinquency statuses and inconsistent information, even after multiple formal disputes, indicates a critical failure in the Department of Education 's oversight and its responsibilities as the furnisher of this data. 

On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) specifically addressing these credit reporting errors related to these student loan accounts. Despite that formal complaint, the severe inaccuracies and inconsistencies outlined above still remain uncorrected on my credit reports. 

I have provided the credit reporting companies with extensive supporting documentation, including a XXXX Credit Report XXXX XXXX ' table, meticulously detailing these inconsistencies. I requested that all unverified or inaccurate entries be removed from my file. The Department of Education, through its servicing channels, has failed to ensure this correction, and the damaging misinformation continues to be reported. 

Due to the XXXX Department of Education 's persistent failure to rectify these critical errors, even after my direct disputes with credit bureaus and a prior CFPB complaint, I am also escalating this matter to the California Attorney General for remedy.

Company response to consumer: Untimely response