Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: IN

Complaint narrative:
Company Name : Edfinancial Services LLC Reason for Dispute : Inaccurate Account Status History / Systemic Servicing Error Description of Incident : The loan status history being reported by Edfinancial Services LLC on my credit profile is entirely inaccurate and violates the Fair Credit Reporting Act ( FCRA ) mandate for accurate reporting. Edfinancial is currently reporting my active consolidated balance on my credit profile as " Deferred, payments begin XX/XX/XXXX. '' This status is a severe data mapping error caused during the data transfer of my loans from my previous servicer, XXXX. The servicer, XXXX, has misreported active repayment and mandatory discharge timelines as a voluntary forbearance. I am a full-time federal career public service employee with 140 months of fully certified and approved Public Service Loan Forgiveness ( PSLF ) employment history on file with the Department of Education XXXX My verified and approved employment brackets are completely documented on my student aid dashboard as follows : XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : XX/XX/XXXX XX/XX/XXXX ( XXXX months ) My current active consolidation loan has been trapped in an administrative XXXX ( Forbearance ) status code since XX/XX/XXXX, the automated tracker stopped counting the time I have spent working in my federal job at XXXX from XXXX to today, XX/XX/XXXX. During a formal inquiry, I was explicitly and incorrectly told by servicer representatives that I could not even submit my mandatory employer recertification for my current federal employment with the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) because XXXX would not count. ' XXXX qualifying payments showing on my dashboard, plus the XXXX historical payments from XXXX that are currently trapped because my XX/XX/XXXX recertification form is stuck in a XXXX loop, that equals XXXX total months. Per my official federal student aid dashboard and my master XXXX data file, my account has been actively enrolled in an Income-Based Repayment ( IBR ) plan since XX/XX/XXXX. A borrower can not simultaneously maintain verified public service employment and active IDR enrollment while being reported in a non-qualifying deferred status block. Furthermore, my official file confirms that a significant portion of this consolidated balance originates from XXXX XXXX XXXX ( XXXX : XXXX ), which is an Exhibit XXXX school under the XXXX XXXX XXXX class-action settlement. Edfinancial has completely failed to accurately map my historical data layers, leaving my file trapped in an incorrect status code that masks my legal discharge eligibility. I have been demanding an immediate full account audit, data synchronization with the National Student Loan Data System ( NSLDS ), and a formal correction to reflect my active public service fulfillment and settlement discharge status since XXXX.

Company response to consumer: Closed with explanation