Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I requested credit report investigation as the information found on my report was inaccurate. They have also broken the FCA laws by sharing my information with a third party which I did not authorize. There was also an account XXXX opened by XXXX XXXX XXXX as it was not me and derogatory to my report. It has not been removed nor has they sent me the information I've requested. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX Request to Block Fraudulent Accounts under FCRA Section 605B & Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally request the blocking and removal of certain fraudulent accounts and associated information from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) Section 605B. I have been a victim of identity theft, and these accounts were not opened by me, nor did I authorize them. 



The following accounts are inaccurately reported and should be blocked from my credit file : The items I am disputing are as follows : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 5.Dept of Education Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove the following unauthorized inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of the identity theft report I filed with the Federal Trade Commission , which includes details of the identity theft incident. This report should provide sufficient evidence to verify my claims and initiate the blocking of these entries on my credit report. 



Please provide written confirmation of the actions taken regarding this request, including the removal of the disputed information and notification to the creditors involved that the accounts have been blocked due to identity theft. 



Thank you for your prompt attention to this matter. Should you require any further information or documentation to expedite the investigation, please do not hesitate to contact me. And if this is not rectified within 4 days I will for certain file my complaint with the Consumer Financial Protection Bureau ( CFPB ) expeditiously. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Request to Block Fraudulent Accounts under FCRA Section 605B & Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally request the blocking and removal of certain fraudulent accounts and associated information from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) Section 605B. I have been a victim of identity theft, and these accounts were not opened by me, nor did I authorize them.

The following accounts are inaccurately reported and should be blocked from my credit file : The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDept of Education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please also remove the following unauthorized inquiries : XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of the identity theft report I filed with the Federal Trade Commission, which includes details of the identity theft incident. This report should provide sufficient evidence to verify my claims and initiate the blocking of these entries on my credit report. 



Please provide written confirmation of the actions taken regarding this request, including the removal of the disputed information and notification to the creditors involved that the accounts have been blocked due to identity theft. 



Thank you for your prompt attention to this matter. Should you require any further information or documentation to expedite the investigation, please do not hesitate to contact me. And if this is not rectified within 4 days I will for certain file my complaint with the Consumer Financial Protection Bureau ( CFPB ) expeditiously. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Claim number XXXXXXXX XXXX XXXX Settlement Request to Block Fraudulent Accounts under FCRA Section 605B & Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally request the blocking and removal of certain fraudulent accounts and associated information from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) Section 605B. I have been a victim of identity theft, and these accounts were not opened by me, nor did I authorize them. 



The following accounts are inaccurately reported and should be blocked from my credit file : The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following unauthorized inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of the identity theft report I filed with the Federal Trade Commission , which includes details of the identity theft incident. This report should provide sufficient evidence to verify my claims and initiate the blocking of these entries on my credit report. 



Please provide written confirmation of the actions taken regarding this request, including the removal of the disputed information and notification to the creditors involved that the accounts have been blocked due to identity theft. 



Thank you for your prompt attention to this matter. Should you require any further information or documentation to expedite the investigation, please do not hesitate to contact me. And if this is not rectified within 4 days I will for certain file my complaint with the Consumer Financial Protection Bureau ( CFPB ) expeditiously. 



Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response