Consumer complaint received 2025-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
I XXXX XXXX a consumer has asked the three major credit reporting agencies to update and correct the inaccurate, incorrect, incomplete late payment information on my credit reports. 
This is my Final Request for deletion and correction of the data herein my credit report which will be listed below. 
This will also serve as a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, especially being held under Federal Law Stated in the Fair Credit Reporting Act SEC 15 Chapter 1681. The Law is Clear.

Your company has violated FCRA 15 U.S.C. 1681 ( a ) ( 4 ) Congressional findings and statement of purpose. Your company have violated my rights to privacy causing me to get denials on credit applications that or needed to support the process advancing in my life.

Your company has violated FCRA 15 U.S.C. 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Which mean that your company can not furnish any of the installment loan I have listed below, and they are hereby Identity Theft accounts that need to be removed immediately. 

Your company has also violated FCRA 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes to access my consumer reports, you did not have written permission of the consumer.

According to the provisions of the FCRA sec 611 ( a ) [ 15 USC 1681i ( a ) ] disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of the items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation for I have also contacted creditors listed below which have failed t even find data on me or see the same incorrect information your agency is falsely providing. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct or anyone will be able to simply fax, call or mail falsified information on an individual, in this case, me and your company do no actual work to confirm truth in record. 

The following information therefore needs to be DELETED, you have had more than 60 days to reply to my initial request for investigation, The original letter will be attached to dispel any confusion. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature if you refuse to delete and call yourselves validating or verifying the information listed below. 


1. Please Remove Late Payments. 
EDFINANCIAL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report. 

2. Please Remove Late Payments.

EDFINANCIAL Account Number : XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

3. Method Of Validation EDFINANCIAL Account Number : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. Please Remove Late Payments.

EDFINANCIAL Account Number : XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report. 

5. I do not have a contract bearing my wet signature EDFINANCIAL Account Number : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

6. The following accounts were closed by me and should state that EDFINANCIAL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

7. Identity Theft EDFINANCIAL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. 

8. This is a duplicate account EDFINANCIAL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

9. I have never been late.

EDFINANCIAL Account Number : XXXX XXXX XXXX XXXX XXXX  This is not mine. 

10. I have never been late.

EDFINANCIAL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft, and I have included a police report. Please investigate and remove from my credit report. 

11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX LA XXXX Failing to do your due diligence I request immediate removal as soon as possible : due to the very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, under FCRA rights as a consumer and due to having requested this be done on more than one occasion, I do not wish to, but I will be forced to take legal action on your bureau if not done promptly furthermore attached is my complaint with the FEDERAL TRADE COMMISSION and my affidavit. I take my reporting quite seriously for these mistakes can cause adverse actions to be taken against me. 

Under federal law, you have exhausted your 30 days to complete your reinvestigation and correct any misleading or false data. The attachments below provide my current information in case you think this is a mistake or something has been made in error and choose to draw out the process. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of my request. 
This is my Final Request for deletion and correction of the data herein my credit report which will be listed below.

According to the provisions of the FCRA sec 611 ( a ) [ 15 USC 1681i ( a ) ] disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of the items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation for I have also contacted creditors listed below which have failed t even find data on me or see the same incorrect information your agency is falsely providing. 
Under federal law, you have exhausted your 30 days to complete your reinvestigation and correct any misleading or false data. The attachments below provide my current information in case you think this is a mistake or something has been made in error and choose to draw out the process. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of my request.

Company response to consumer: Closed with explanation