Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Kentucky Higher Education Assistance Authority
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Phone : XXXX Email : XXXX Account number : XXXXXXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Attn : Complaint Intake XXXX XXXX XXXXXXXX Washington , DC XXXX Re : Complaint and Dispute of Alleged Student Loan Debt Serviced or Collected by Kentucky Higher Education Assistance Authority I am submitting this complaint to dispute the accuracy and enforceability of alleged student loan debt that Kentucky Higher Education Assistance Authority ( KHEAA ) is attempting to collect. KHEAA is asserting that I owe loan balances that include charges tied to two schools that I never attended and for which I never received any educational services or financial aid disbursements. 
The schools KHEAA is attributing to my alleged debt are XXXX XXXX XXXX in XXXX, Maryland and XXXX XXXX in XXXX XXXX, New Jersey. I did not enroll at, attend, or receive financial aid through either institution. Any alleged loan disbursements tied to these schools are inaccurate and appear to be the result of identity theft, mistaken records, and or improper attribution. 
On XX/XX/year>, I mailed KHEAA a written dispute and request for documentation by certified mail. In that letter I requested that KHEAA provide documentary proof that I signed for any loans connected to the schools listed above and proof that I attended or was enrolled in those institutions. I also requested a complete itemization and accounting of the amounts they claim I owe. To date, I have not received a substantive written response, copies of any signed promissory notes, enrollment certifications, disbursement records, or any other verification that would support KHEAAs allegations. KHEAA has also stated that they did not receive my certified letter, even though it was sent using a trackable mailing method. 
Despite my written dispute and my request for verification, KHEAA has continued to pursue collection and has threatened wage garnishment and federal tax refund offset. I am willing to pay any valid debt that I legitimately owe. However, I will not accept responsibility for amounts tied to schools I never attended or loans I never authorized. Collection activity should not proceed while a timely and documented dispute remains unresolved, particularly where the collector has not produced basic validating documents.

I am requesting that the CFPB assist by investigating KHEAAs handling of my dispute and requiring KHEAA to do the following in writing : 1. Provide copies of any Master Promissory Note and or promissory notes allegedly bearing my signature that support the loans connected to XXXX XXXX XXXX and XXXX XXXX. 
2. Provide the full loan history and itemization for each disputed loan, including origination dates, disbursement dates, disbursement amounts, the payee school, and the method of disbursement.

3. Provide enrollment certification records or other proof of attendance relied upon for each disputed school, including the dates of enrollment they claim apply to me. 
4. Provide the complete payment history, current balance calculation, interest and fee breakdown, and any collection cost assessments. 
5. Suspend or pause collection activity, including administrative wage garnishment and tax refund offset, while the dispute is investigated and until KHEAA provides adequate verification and corrects any inaccurate records. 
6. Correct any inaccurate reporting to consumer reporting agencies and any inaccurate records provided to federal agencies or the U.S. Department of Education, if applicable. 
For your reference, KHEAAs mailing address is Kentucky Higher Education Assistance Authority, XXXX. XXXX XXXX, XXXX, Kentucky XXXX. I am prepared to provide supporting documentation upon request, including a copy of my XX/XX/year>XXXX  dispute letter, certified mail proof and tracking information, and any collection notices or correspondence. 
Please treat this matter as urgent due to the threat of imminent collection actions that would cause financial harm. I respectfully request written confirmation of the complaint intake and the next steps in your review process. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation