Consumer complaint received 2025-09-15 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: ECMC GROUP, INC.
State: VA

Complaint narrative:
Re : Complaint Against Educational Credit Management Corporation ( ECMC ) Inability to Contact & Unlawful Credit Reporting I am submitting this complaint against Educational Credit Management Corporation ( ECMC ) because I have been denied a meaningful way to contact them to resolve an ongoing credit reporting dispute. 

On XX/XX/XXXX, I sent a certified letter to ECMC at the address listed on my credit report ( XXXX XXXX XXXX, XXXX, MN XXXX ). The U.S. Postal Service returned the letter marked Attempted Not Known, Unable to Forward. This demonstrates that ECMC is deliberately or negligently preventing consumers from reaching them at the credit bureaureported address. By doing so, ECMC is obstructing my ability to exercise my rights under federal consumer protection laws, including : FCRA ( 15 U.S.C. 1681i ) : Consumers must have the ability to dispute inaccurate or unlawful information directly with the furnisher. If ECMC can not be contacted, I am being denied my right to dispute.

FCRA ( 15 U.S.C. 1681s-2 ) : Furnishers have a duty to investigate and correct inaccurate reporting. By blocking correspondence, ECMC is failing to uphold this legal obligation.

FDCPA ( 15 U.S.C. 1692d & 1692e ) : If ECMC is acting as a debt collector, obstructing communications constitutes unfair and deceptive practices.

Original Dispute and Complaint The letter that I attempted to send was a formal demand for deletion of unlawful accounts. ECMC is reporting XXXX closed collection accounts on my credit file : Educational Credit Management {$36000.00} Educational Credit Management {$27000.00} My dispute outlines several violations : FERPA ( 20 U.S.C. 1232g ) : Student loan data originates from my educational records.My education records, including any information about student loans can not be disclosed to XXXX XXXX or any third party without my written consent is unlawful. I never provided authorization for these accounts to be reported to XXXX XXXX or any third party. Their presence on my credit report is therefore an unauthorized disclosure of protected educational information.

GLBA ( 15 U.S.C. 68016802 ) : ECMC has a duty to safeguard nonpublic personal information. Sharing student loan details with XXXX XXXX XXXX  without consent or opt-out is a violation.

FCRA ( 15 U.S.C. 1681 ) : Reporting these accounts as collections with significant past-due balanceswithout lawful authorityfails the requirement of maximum possible accuracy.

18 U.S.C. 1028A ( Aggravated Identity Misuse ) : By misusing my personal and educational identifiers, ECMC has compromised my privacy and identity rights.

Relief Requested Immediate investigation into ECMCs practices of using inaccurate or invalid mailing addresses that prevent consumer contact.

Direct enforcement action requiring ECMC to provide valid, accessible consumer contact information.

Deletion of the disputed student loan accounts from my credit reports unless ECMC can produce valid written authorization, permissible purpose, and proof of lawful reporting under FERPA and GLBA.

Written confirmation of the CFPBs findings and ECMCs corrective actions.

I have attached proof of the returned mail and my original dispute letter for your records. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation