Consumer complaint received 2025-07-25 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: EdFinancial Services
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Subject : IMMEDIATE DISPUTE OF INACCURATE STUDENT LOAN REPORTING Account Numbers : XXXX, XXXX, XXXX, XXXX To Whom It May Concern at : EDFINANCIAL, This letter serves as a formal and aggressive dispute of the inaccurate and misleading information you have furnished to TransUnion regarding my student loan accounts. My credit report, dated XX/XX/XXXX, clearly shows discrepancies that are damaging my credit standing and must be rectified immediately. 
My TransUnion report indicates a " VERY POOR '' credit score of XXXX as of XX/XX/XXXX. A significant contributing factor to this abysmal score is the erroneous reporting of my student loan payment history and current status. 
Specifically, I am disputing the following accounts and their reported inaccuracies : * Account Number : XXXX * Despite the report stating " Late Over 120 Days '' with an " Amount Past Due '' of {$200.00}, your reporting indicates only " XXXX '' times XX/XX/XXXX days late. This contradictory information is unacceptable. Furthermore, my payment history, as provided, shows " '' for multiple months in XXXX, suggesting payments were made on time. This account claims I have " XXXX  % left to pay '', which is mathematically impossible and clearly an error. The high balance is listed as {$3000.00}. 
* Account Number : XXXX * The report for this account shows an " Account Status '' of " Open late '' with a " Last Activity '' date of XX/XX/XXXX. The amount past due is {$1300.00}. This account 's payment history is presented in a manner that is unclear and does not fully align with the reported late status. This account claims a balance of {$11000.00} and a highest balance of {$1200.00}, another blatant inconsistency. 
* Account Number : XXXX * This account also reports " Late Over 120 Days '' with an " Amount Past Due '' of {$75.00}. However, the " Times 30/60/90 Days Late '' is left blank, which directly contradicts the reported current payment status. My payment history for this account, like the others, shows inconsistencies with the reported late status. This account claims " 100 % left to pay '' and a balance of {$2000.00} with a highest balance of {$250.00}. These figures are erroneous. 
* Account Number : XXXXXXXX XXXX This account is reported as " Late Over 120 Days '' with an " Amount Past Due '' of {$41.00}. Similar to the previous account, the " Times 30/60/90 Days Late '' is blank, directly conflicting with the stated payment status. The payment history again presents a confusing picture. This account shows a balance of {$470.00} and a highest balance of {$430.00}. 
The inaccuracies detailed above are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). You are furnishing information that is either incomplete, inaccurate, or unverifiable, and this is directly harming my financial profile and ability to obtain future credit on reasonable terms. 
I demand that you : * Immediately investigate these accounts and the discrepancies outlined above. 
* Provide verifiable proof for every reported late payment and " Late Over 120 Days '' status for all listed accounts. 
* Correct all inaccurate information on my credit report with TransUnion without delay. 
* Furnish documentation demonstrating that these corrections have been made to TransUnion. 
Please be advised that if these inaccuracies are not promptly corrected, I will not hesitate to pursue all available legal remedies under the FCRA, which may include damages, attorney fees, and court costs. I expect a written response detailing the actions you have taken within 30 days of the date of this letter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation