Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: MI

Complaint narrative:
XX/XX/year> Edfinancial Services XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN XXXX RE : CFPB Case # XXXX RE : Failure to Validate Federal Student Loan Debt Borrower : XXXX XXXX XXXX Acct XXXX XXXX XXXX To Whom It May Concern : This correspondence is a formal rebuttal to your letter dated XX/XX/year>, regarding my dispute submitted through the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Your response remains legally insufficient, incomplete, and fails to meet federal requirements for verification or validation of any alleged loan obligation. 

Your letter relies heavily on internal account summaries, generalized regulatory language, and references to systems under your control, but * * does not produce any legally required documentary evidence * * proving I requested, received, authorized, signed for, or benefited from the alleged loans. 

I am restating and expanding my dispute as follows : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX FAILED TO PROVIDE ANY OF THE REQUIRED EVIDENCE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Your response did * * not * * include : 1. * * A copy of the original wet-ink or certified electronic Master Promissory Note ( MPN ) * * showing my authenticated signature.

2. * * Identity verification logs * *, IP logs, timestamps, or credential-validation data.

3. * * Enrollment certification transmitted by the school * * under 34 CFR 685.301.

4. * * Evidence of disbursement acceptance * *, or that I personally authorized or received those funds.

5. * * Documentation that the FSA ID used to create an account was created by me * *, not a third party.

6. * * The School Disbursement Notice * * listing : - right to cancel, - cancellation deadline, - method to decline funds.

7. * * Any Notice of Guarantee, Notice of Loan Transfer, or Right-to-Review documentation * * under 34 CFR 682.202.

Instead, you provided : A loan balance chart ; General statements about federal process ; A blanket claim that disbursements occurred ; An electronic signature claim with no authentication logs ; A suggestion that I file an identity theft discharge * before verification is completed *.

None of these are legally sufficient.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - II. WE ARE NOT A DEBT COLLECTOR DOES NOT EXEMPT YOU FROM VALIDATION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Your claim that you are not a debt collector under FDCPA * * does not relieve you * * of your obligations under : * * The Higher Education Act ( HEA ) * * * * 20 USC 1094 * * * * Federal Servicing Contracts * * * * FCRA 15 USC 1681s-2 * * * * 34 CFR 682.208 ( Servicer Duties ) * * * * 34 CFR 682.410 ( Required Records ) * * * * 34 CFR 685.222 ( Borrower Defense/False Certification ) * * A federal loan servicer * * must * * produce documentation showing : The borrower applied for the loan The borrower agreed to the terms The borrower either received or authorized the funds Identity authentication occurred The school properly certified eligibility All disbursement notices were sent None of this has been produced.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - III. EDFINANCIALS RESPONSE ADMITS A LACK OF ACTUAL EVIDENCE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Your letter states : You may review the MPN by logging into StudentAid.gov and If you are unable to locate the MPN, you may request it.

This is an admission that * * you did not provide * * : A signed MPN Authentication data Verification logs Contractual acceptance Enrollment certification The burden of proof is on the * * servicer * *, not the borrower.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - IV. FALSE CERTIFICATION PACKET IS PREMATURE WITHOUT VALIDATION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You also stated : Until fraudulent activity can be proven FSA considers these loans yours.

This reverses the legal burden.

The obligation to prove a loans legitimacy lies with : Edfinancial The school The Department of Education not with the borrower.

Your request that I complete a False Certification package * * before validation is complete * * is improper.

I will not complete a discharge application until : 1. * * You provide the legally required validation * *, or 2. * * You admit the records can not be produced. * * -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - V. I AM REISSUING MY DEMAND FOR VALIDATION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Produce ALL of the following : 1. The * * original MPN * * with authenticated signature ; 2. * * All IP logs * *, audit trails, login metadata, and timestamp logs associated with electronic signatures ; 3. * * Enrollment certification * * from XXXX XXXX XXXX ; 4. * * Disbursement notices * * required by federal law ; 5. * * Communication records * * between Edfinancial, FSA, and the school ; 6. * * Any document * * showing I received or accepted disbursement funds ; 7. * * Identity verification procedures * * used prior to disbursement ; 8. * * Administrative Record * * under the HEA.

Until this is produced, the account remains * * in dispute * *.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VI. REPORTING DURING AN ACTIVE DISPUTE IS AN FCRA VIOLATION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Under * * 15 USC 1681s-2 * *, you may not : Furnish negative information Update derogatory information Verify derogatory information Ignore a consumer dispute while the account is under investigation.

You are now formally notified that the account remains * * disputed * *, and reporting must remain suppressed.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VII. FORMAL REQUEST FOR ESCALATION TO FSA OMBUDSMAN -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Because your response was inadequate, incomplete, and failed to provide verification, I am escalating this matter to the : * * XXXX XXXX XXXX Ombudsman XXXX * * via XXXX and submitting this rebuttal as an attachment to the CFPB. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. RESERVATION OF RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I reserve all rights under HEA, FCRA, FDCPA ( to the extent applicable ), and all federal protections.

Nothing in this letter shall be construed as acceptance of this debt. 

Sincerely, __________________________________ XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX

Company response to consumer: Closed with explanation