Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EdFinancial Services
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Formal Dispute of Mixed File, Incorrect Reporting, and Unverified Accounts XXXX  File Maintenance Ref XXXX XXXX XXXXXXXX To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act, FCRA 602A, 607 ( b ), and 611, regarding inaccurate information, mixed profile data, and unverifiable derogatory items being reported on my credit file.

On a previous call with XXXX, I was informed that my credit file was under a maintenance review for mixed information and given file maintenance reference number XXXX. I was instructed to allow 45 business days for correction. To date, no updates or corrections have been made not even my address. 


Below is a list of erroneous, mismatched, or unverifiable items which must be corrected or removed : MIXED / INCORRECT PERSONAL & FILE DATA My report contains mixed profile information inconsistent with my identity. This suggests commingled data or a cross-profile error, resulting in inaccurate account reporting. 

COLLECTION & CHARGE-OFF ( XXXX  ONLY XXXX XXXX XXXX XXXX  Charge Off Account : XXXX This account does not belong to me. Reporting date and status are incorrect and unverifiable, and it must be removed. 

XXXXXXXX XXXX XXXX ) Account XXXX Shows closed/paid as of XXXX, with fluctuating reported balances ( {$4500.00} {$1000.00} {$2500.00} ). 

This is inaccurate and inconsistent with the actual account history. 

FEDERAL STUDENT LOAN ACCOUNTS Account XXXX Shows as closed/paid/transferred with an incorrect closing year and mismatched balance. 

Federal Loan reported amount discrepancies : XXXX  : {$92000.00} XXXX  : {$110000.00} This is a significant discrepancy and must be corrected or removed unless verified with the original reporting agency. 

XXXX ACCOUNT Account : XXXX Reported as closed and open simultaneously. 



XXXX confirmed directly that they have no active or prior account matching this. 

This account is unverifiable and must be deleted or I need to hold a card for this account. 

XXXX ACCOUNT ( Inquiry ) XXXX XXXX XXXX XXXX BANKRUPTY I have never held an account or conducted business with XXXX, XXXX XXXX XXXX XXXX BANKRUPTY This inquiry dated XX/XX/XXXX is unauthorized and must be removed including mismatch dates. 

XXXX XXXX BANKRUPTCY The bankruptcy currently being reported is unverifiable. 

The clerk at the XXXX XXXX XXXX XXXX  confirmed that they do not report consumer information or furnish data to credit bureaus. 



Case information : XXXX  XXXX Case No : XXXX Filed : XX/XX/XXXX Discharged : XX/XX/XXXX If you can not verify through the original furnisher, the entry must be deleted. 

REQUIRED ACTIONS Under FCRA, you are required to : investigate each disputed item verify with original furnishers correct inaccurate information delete unverifiable items You may not use third-party data aggregators as sole verification ( XXXX, XXXX, etc. ). 

CFPB NOTICE If these inaccuracies, mixed-file issues, and unverifiable accounts are not corrected, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau and Attorney General regarding : mixed file inaccurate reporting unauthorized inquiries unverifiable public records failure to complete file maintenance review failure to correct data breaches/ misattributed accounts

Company response to consumer: Closed with explanation