Consumer complaint received 2025-10-01 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: SLM CORPORATION
State: MD

Complaint narrative:
Subject : Identity Theft Request for Immediate Blocking of Fraudulent Information under XXXX U.S.C. XXXX Dear Credit Bureau Dispute Department XXXX XXXX am a victim of identity theft and my personal information was also impacted by a data breach incident. Fraudulent and inaccurate accounts have been placed on my credit reports without my consent. Pursuant to XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), I am demanding that you block and permanently delete these items within XXXX ( XXXX ) business days. 

I am providing the following documents as required by law : FTC Identity Theft Report ( which qualifies under FCRA no police report is required ) Copy of my government-issued ID Copy of my Social Security card Proof of my current address The fraudulent and inaccurate accounts include, but XXXX not be limited to, the following : Credit Acceptance ( XXXX ) Acct # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance Owed : {$4900.00} {$5000.00} Status : Open/Derogatory Reported late XXXX days inconsistently across bureaus. 
XXXX Bank Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX High Balance : {$2200.00} Status : Collection/Charge-off Balance Owed : {$0.00} Reported derogatory despite resolved status. 
XXXX ( XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX High Balance : {$640.00} Status : Charge-off Balance Owed : {$0.00} Inconsistent reporting across bureaus. 
XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance Owed : {$3800.00} Status : Open/Past Due Reported with wrong contact details, incorrect identifiers, and unverifiable information. 

Applicable LegaXXXX Duties & Violations : XXXX U.S.C. XXXX ( a ) : Duty to block fraudulent identity-theft information within XXXX business days. 
XXXX U.S.C. XXXX ( b ) : Duty to report with maximum possible accuracy violated by reporting inconsistent and inaccurate data. 
XXXX U.S.C. XXXX ( a ) : Duty to reinvestigate disputed information failure to reasonably reinvestigate is unlawful. 
XXXX U.S.C. XXXX ( b ) : Duty of furnishers to investigate and update disputed information creditors failed to meet this obligation. 

Each credit bureau has reported these accounts inaccurately and inconsistently, proving they are unverifiable. Reporting fraudulent information after receiving my FTC Identity Theft Report and supporting documents constitutes willful noncompliance with the FCRA and subjects your bureau to liability under XXXX U.S.C. XXXX and XXXX. 

I hereby demand : XXXX. Immediate blocking and permanent deletion of all accounts listed above. 
XXXX. Removal of all associated inquiries and negative notations. 
XXXX. Written confirmation within XXXX ( XXXX ) business days that these items have been removed. 
XXXX. An updated credit report reflecting only accurate and verifiable information. 

Failure to comply will be documented as further violations of the FCRA and reported to the FTC, CFPB, and my State Attorney General. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation