Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Dear Sir/Madam : This is a student loan in my name that originated with the Georgia Student Finance Authority ( GSFL ). I am the borrower. 

This originated as a scholarship grant from XXXX XXXX through GSFL, in which the loan would be 100 % forgivable if I met certain conditions ( working as an XXXX XXXX XXXX XXXXXXXX ). After XXXX, I received mailed notice that the loan was due and told by GSFL to apply for forgiveness. I sent them the application for forgiveness ( with their form and proof of employment ) in the Summer of XXXX and was informed it was accepted and the loan was forgiven. However, GSFL only forgives a portion of the loan each year ; the rest of the loan was deferred pending reapplication the following year. 

I did not receive any notification from GSFL during the Summer of XXXX about the loan or that it would become due again without a new application for loan forgiveness. Nothing was mailed to my former address. Instead, I learned GSFL emailed a notification about signing up for their new online systems to my father- but not to me. That email said nothing about my loan. And, GSFL failed to notify me personally ( by mail or email ). GSFL also sent no notification that the loan is now due to my family members ( by mail or email ). Accordingly, I was never notified directly that I was required to send in a new application for deferment or my account was at risk of delinquency. 

In the Summer of XXXX, GSFL reported my loan account as delinquent. I eventually discovered this information was reported to Credit Reporting Agencies, contacted GSFL, and learned that they required an annual application for deferment and forgiveness of the loan. I have now renewed my application successfully and this student loan is again in deferment status ( and will be forgiven next year ). 

GSFL failed to contact me directly to notify me that the deferment status of my loan was ending and a new application was needed. As a result, my account was reported as delinquent for two months, which I believe is inaccurate given the lack of proper notice to the borrower. As soon as I became aware that the required paperwork had not been submitted, I completed and submitted it immediately.

Attached is supporting documentation and evidence of my deferment submission and the dates involved. Accordingly, this account in deferment status and would not have been delinquent had I received proper personal notification from GSFL, which did not occur. I also attached correspondence with the employee who had helped my dad in the past with this. This shows the forms were submitted as soon as I was notified. The forms were confirmed to be submitted in my credit dispute but the delinquencies for each account remain for the two months before I found out. ( Due to checking my credit score not from GSFA ) The delinquencies reported on my account are erroneous and disputed, as GSFL failed to give me personal notice of the loan payment required. I am requesting removal or correction of the two delinquent months and confirmation that my account is being reported accurately going forward. This information on my credit report is an inaccurate report of a delinquency to a Credit Reporting Agency and, therefore, violates the terms of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq.

I request that this inaccurate information be immediately removed from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation