Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2025 DPT EDXXXX Dear DPT EDXXXX, I am writing to formally dispute inaccuracies on my credit report, specifically multiple violations of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). After consulting with a legal advisor, I want to highlight pertinent consumer laws designed to protect individuals in credit transactions. 

Truth in Lending Act ( TILA ) Violations : Under 15 USC 1666 ( b ) and 15 USC 1637 ( a ) ( a ), it is clearly stated that reporting a payment as late on an open-ended credit plan is impermissible. The law specifically addresses : Billing errors, including the failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

Computation errors or similar accounting errors on a statement.

Fair Credit Reporting Act ( FCRA ) Violations : According to 15 USC 1681b, consumer consent is required before furnishing information on their behalf. To date, I have not granted such authorization to DPT ED/XXXX. Additionally, under 15 USC 1681c ( a ) ( 4 ), adverse information more than seven years old must be excluded from the report.

Your failure to comply with these regulations has adversely affected my financial standing and the accuracy of my consumer report. This letter serves as a formal request to correct the inaccuracies in the following listings on my report : 1. Name of Account : DPT EDXXXXXXXX, Account Number : XXXX 2. Name of Account : DPT EDXXXX, Account Number : XXXX 3. Name of Account : DPT EDXXXX, Account Number : XXXX 4. Name of Account : DPT EDXXXX, Account Number : XXXX 5. Name of Account : DPT EDXXXX, Account Number : XXXX XXXX. Name of Account : DPT EDXXXX, Account Number : XXXX 7. Name of Account : DPT EDXXXX, Account Number : XXXX 8. Name of Account : DPT EDXXXX, Account Number : XXXX 9. Name of Account : DPT EDXXXX, Account Number : XXXX Please provide the following as proof of due diligence in maintaining the accuracy of my report : Evidence that DPT EDXXXX notified me 21 days in advance with a statement. 
A copy of the creditors payment ledger. 

As a consumer, I am legally entitled to have these inaccuracies corrected or deleted immediately. Failure to do so will result in my seeking monetary compensation for the violation of my rights in small claims court in Haslet, Texas under 15 USC 1681n ( civil liability ).

For your reference, here are the relevant legal provisions : 15 USC 1666 ( b ) Billing Error 15 USC 1637 ( a ) ( a ) Disclosure requirements 15 USC 1681c ( a ) ( 4 ) Exclusion of adverse information after seven years Do not send any response attempting to delay or stall this process. I have included my ID and SSN for your verification. Any stall letter received will further indicate non-compliance with your duties. I will retain a copy of this letter for legal purposes.

Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol.

Kindly address this matter with the utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute.

Company response to consumer: Untimely response