Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
For over XXXX months, I have been disputing the following U.S. Department of Education collection accounts, and not XXXX page of verification has been provided : DP OF EDUC Acct XXXX XXXXXXXX {$5600.00} Collection XXXX XXXX XXXXXXXX Acct XXXX XXXX {$5600.00} Collection US DEPT ED Acct XXXX XXXXXXXX {$2800.00} Collection US DEPT ED Acct XXXX XXXXXXXX {$5500.00} Collection These are the same underlying student loans being reported under multiple names, multiple balances, and multiple furnishers which violates FCRA 1681e ( b ) ( accuracy ), 1681i ( a ) ( failure to reinvestigate ), 1681s-2 ( b ) ( failure to verify ), and XXXX reporting requirements ( XXXX account = XXXX tradeline ). 
I have repeatedly requested verification, including the original promissory note, the Truth-in-Lending disclosures, the federal servicing history, the default/acceleration notices, and proof of assignment to any collection XXXX. I also requested a full payment ledger showing when payments were received and posted, and documentation explaining how each balance was calculated. None of this has been provided. 
Instead, the only thing I have received is a copy of my credit report, which is not verification under FCRA, FDCPA, or federal student loan regulations. 
You do not get to ignore a dispute simply because it involves the Department of Education the law still applies. 
FEDERAL LAWS YOU ARE VIOLATING : FDCPA Violations ( Applicable to Collection Contractors & Servicers ) 1692g ( a ) failure to provide validation notice 1692g ( b ) continued collection without validation 1692e ( 2 ) false representation of character/amount of debt 1692e ( 8 ) reporting credit information known to be false 1692f unfair/abusive collection practices FCRA Violations ( For the Furnishing of Unverified Information ) 1681e ( b ) failure to report with maximum possible accuracy 1681i ( a ) failure to reinvestigate disputed information 1681s-2 ( b ) furnisher duty to verify disputed data Higher Education Act / Federal Student Loan Servicing Requirements You are required under 20 U.S.C. 1080a, 20 U.S.C. 1095a, and federal servicing regulations to maintain : Borrower contact history Deferment/forbearance/rehab records Default notices Wage garnishment notices Billing statements Accurate repayment history None of these were provided. 
XXXX Violations Duplicate reporting Mixed furnishers Conflicting balances Missing DOFD Inconsistent status codes Failure to supply compliance fields This is systemic noncompliance, not an accident. 
YOU MUST PROVIDE : The original signed promissory note ( Master or Standard ) Complete NSLDS servicing history Payment ledger from first disbursement to present Default and acceleration notices Assignment/transfer documents to any collector Itemized balance calculations ( principal, interest, fees ) DOFD documentation XXXX compliance records NONE of this has been produced.

Company response to consumer: Untimely response