Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX [ Insert Date ] To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting by U.S. Department of Education / Direct Loans Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate and misleading information reported by the U.S. Department of Education / Direct Loans on my credit report, linked to account number ending in XXXX. 

Details of the Inaccuracy The account falsely reports a past due status as of XX/XX/year>, even though I have never made a payment on this loan. The original balance of the loan was approximately $ [ XXXX XXXX ], but the account inaccurately reflects {$0.00} payments, misrepresenting my payment history. Additionally, my name is misspelled on the credit report in connection with this account, raising serious concerns about identity matching and the overall integrity of the reported data. 

Dispute History I previously disputed this account with the credit bureaus and requested its removal based on the clear inaccuracies. Despite my formal dispute, no corrections were made. This is a violation of 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation and delete unverifiable or inaccurate information within 30 days of a consumers dispute.

Applicable Federal Laws Violated This matter involves multiple violations of federal consumer protection laws, including : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate and remove inaccurate or unverifiable information 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Furnishing information known or believed to be inaccurate 15 U.S.C. 1681 602 ( a ) : Mandates fair and accurate credit reporting practices 15 U.S.C. 1681c : Restricts the inclusion of outdated or obsolete credit information 15 U.S.C. 1681a : Defines consumer reportable information and its limitations 15 U.S.C. 1692c and 1692g : Regulates collection activity and provides rights to debt validation ( if applicable ) 15 U.S.C. 1681n and 1681o : Provide for recovery of damages due to willful or negligent noncompliance with the FCRA Requested Resolution I respectfully request that the CFPB take immediate action to : 1. Investigate the U.S. Department of Education / Direct Loans and the credit bureaus regarding this account 2. Require deletion or correction of all inaccurate and unverifiable information, including the false past due status, misreported {$0.00} payment history, and the incorrect spelling of my name 3. Ensure that all parties are in full compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act In addition to correcting the reporting errors, I reserve my rights under 15 U.S.C. 1681n and 1681o, which provide for monetary compensation in cases of willful or negligent noncompliance with the FCRA. If this matter is not resolved appropriately, I am prepared to pursue all remedies available under federal law, including statutory and actual damages. 

Please provide written confirmation of the findings and any corrective action taken. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response