Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) to report a * * serious breach of privacy and unauthorized access * * to my personal, financial, and educational records. 

After reviewing my recent credit report dated XX/XX/year> ( Confirmation # XXXX ), I discovered multiple Department of Education student loan accounts being reported to XXXX, XXXX XXXX XXXX without my authorization or verified consent. 

I have reason to believe my educational and financial records were accessed or transmitted without permission, exposing my confidential information to unauthorized parties and unauthorized eyes and resulting in a compromised credit file.

This situation represents : A violation of FERPA, which protects student educational records from disclosure without written consent.

A violation of the FCRA, specifically 15 U.S.C. 1681b, which restricts access to consumer information to permissible purposes only.

A failure of the credit bureaus and furnishers to ensure maximum possible accuracy and safeguard personal data as required under 5 U.S.C. 1681e ( a ) and * * 1681e ( b ).

Violations and Legal Grounds 1. * * FERPA ( 20 U.S.C. 1232g ) * * Unauthorized disclosure of student education and loan records.

2. * * FCRA 1681b * * Unlawful access or use of consumer reports without permissible purpose.

3. * * FCRA 1681e ( a ) - ( b ) * * Failure to maintain reasonable procedures for accuracy and privacy.

4. * * FCRA 1681i * * Failure to properly investigate or remove unverifiable data upon dispute.

5. * * FCRA 1681n and 1681o * * Liability for willful or negligent noncompliance.

Requested Resolution Pursuant to the above laws, I formally request : 1. Immediate removal of all Department of Education student loan accounts and related data from my credit reports with XXXX XXXX XXXX XXXX  as the accounts are unverifiable and originated from an unauthorized access or disclosure of personal records. 
XXXX. A full investigation into the breach and unauthorized use or sharing of my educational and financial information. 
XXXX. Written confirmation from each agency and bureau verifying removal of all affected accounts and detailing what remedial actions have been taken to secure my records.

4. Regulatory enforcement to ensure compliance with FCRA and FERPA privacy provisions and to hold all responsible parties accountable for this violation. 


Supporting Documentation * XXXX of my credit report ( Confirmation # XXXX ). 
* Proof of identity and address. 
* List of disputed Department of Education loan accounts. 


These events have caused significant emotional distress, reputational harm, and loss of trust in the security of my personal data. I am requesting immediate assistance and oversight from both the CFPB and my State Attorney General to ensure these student loan tradelines and any related compromised data are permanently deleted from all credit reporting systems.

Company response to consumer: Untimely response