Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : [ XX/XX/XXXX ] SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX # # # VIA CERTIFIED MAIL FCRA 611, 623 | FDCPA 809 To Whom It May Concern, I am formally disputing the accuracy, legality, and continued reporting of multiple federal student loan accounts appearing on my consumer credit reports. These accounts are inaccurately reported, duplicative, unvalidated, and materially misleading, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
-- - # # DISPUTED ACCOUNTS # # # XXXX. US DEPT OF ED / XXXX / ATL Account # : XXXX Status : Closed Collections Balance : {$990.00} # # # XXXX. DEPT OF ED / XXXX Account # : XXXX Reported Balances ( multiple tradelines ) : - {$3500.00} - {$2800.00} - {$2400.00} - {$2700.00} Status Reported : Open / Deferred Payments Begin XX/XX/XXXX -- - # # BASIS FOR DISPUTE # # # XXXX. Duplicate & Fragmented Reporting The same Department of Education account number ( XXXX ) is being reported multiple times with different balances, creating the appearance of multiple debts when only XXXX alleged obligation exists. 
This constitutes : - Duplicate tradelines - Balance inflation- Artificial debt multiplication This practice violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) ( maximum possible accuracy ). 
-- - # # # XXXX. Failure to Establish Legal Accuracy The reported balances do not reconcile with : - Original balances - Payment history - Lawful interest accrual - Deferment status No itemized accounting, amortization schedule, or interest calculation has been provided to justify these inconsistent balances. 
-- - # # # XXXX. Failure to Prove Ownership & Authority to Report The credit reports list Dept of XXXX / Advantage without : - Identifying the actual legal creditor - Providing proof of assignment or guaranty - Producing the original signed promissory note Without this documentation, the furnisher has no authority to report these accounts. 
-- - # # # XXXX. Improper Reporting During Deferment All Dept of Ed / XXXX accounts are reported as : - Open - Carrying balances - While stating Payments begin XX/XX/XXXX Reporting balances without a current payment obligation is misleading and materially inaccurate, particularly when duplicated across multiple tradelines. 
-- - # # # XXXX. Unvalidated Collection Account The {$990.00} collection account ( US Dept of Ed / XXXX / XXXX ) has never been properly validated as required under : - FDCPA 809 - FCRA 623 ( b ) A collection account that has not been fully validated can not legally remain on a consumer credit report. 
-- - # # FORMAL DEMAND Pursuant to FCRA 611 ( a ), I am demanding that you : XXXX. XXXX a reasonable, manual investigation not automated verification XXXX. Require the furnisher to produce : - Original signed promissory note - Complete payment history - Proof of legal ownership and assignment XXXX Authority to report under federal law - Explanation for multiple balances tied to the same account number XXXX. PERMANENTLY DELETE all tradelines that can not be fully verified If full validation can not be produced for each individual tradeline, you are required by law to delete the accounts in their entirety. 
-- - # # NOTICE OF INTENT Failure to comply within 30 days will constitute : - Willful noncompliance ( FCRA 616 ) - Negligent noncompliance ( FCRA 617 ) I am prepared to pursue regulatory complaints and civil remedies if these violations are not corrected. 
This dispute is not a refusal to pay, but a lawful demand for proof and accuracy. 
No further reporting is authorized without complete validati

Company response to consumer: Untimely response