Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: FL

Complaint narrative:
Re : Dispute of Inaccurate Student Loan Reporting Account Numbers ( partial ) : 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  ( Full account numbers redacted for security ) Dear Edfinancial Credit Reporting Department, Under 623 ( a ) ( 8 ) and 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am writing this direct dispute to formally notify you that you are reporting incomplete and materially misleading information about the above-referenced accounts on my credit reports with XXXX XXXX XXXX XXXX  
The specific inaccuracies are as follows : Inconsistent balances reported across the three credit bureaus Example : One account shows balances of {$2600.00} / {$2600.00} / {$2600.00} a discrepancy that violates Metro 2 accuracy standards and your duty to report complete and accurate information under FCRA 623 ( a ) ( 1 ).

Inconsistent payment status and days late The same account is reported as Late 120 Days on two bureaus but Late 180 Days on XXXX. This creates materially misleading information about the severity and recency of the alleged delinquency.

Inconsistent account type and remarks The same tradeline is reported as Student Loans on XXXX XXXX XXXX  but Miscellaneous Finance on XXXX, and the creditor remarks differ across bureaus ( Dispute resolved; customer vs Subscriber reports dispute vs Consumer disputes after resolution ).

Reporting of open, unpaid accounts with no monthly payment amount or scheduled payment The tradelines show a balance owed and past-due status but no scheduled monthly payment amount. This is incomplete reporting under the Metro 2 format and misleads users of the report about the actual terms of the account.

Failure to update accounts after extended periods of non-reporting and servicer transfers These accounts have not been updated consistently, and after multiple federal servicer transfers and the XXXX payment pause/on-ramp, the continued reporting of severe delinquency without proper compliance codes ( such as DDB or AW ) is inaccurate.

Because these items are incomplete or inaccurate within the meaning of FCRA 1681i ( a ) ( 5 ) and 1681s-2 ( a ) ( 1 ), you are required to : Conduct a reasonable investigation within 30 days Delete or correct the inaccurate/incomplete information Notify all credit bureaus to which you furnish data that the information has been deleted or modified Provide me with written results of your investigation, including a copy of any corrected credit report tradelines If you are unable to verify the accuracy and completeness of the information within 30 days, you must permanently delete these tradelines from all credit reports.

This is a formal dispute under the FCRA. I expect your prompt written response as required by 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ).

Company response to consumer: Closed with explanation