Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: PA

Complaint narrative:
XXXX XXXX formerly XXXX XXXXXXXX XXXX XXXX XXXX XXXX  PA, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Unauthorized Access to Personal Data and Request for Student Loan Forgiveness Dear Sir/Madam, I am writing to formally file a complaint regarding a serious matter involving the unauthorized access of my personal data related to my student loans and the potential misuse of this information by third parties, including XXXX XXXX  and DOGE. I request immediate action by the Consumer Financial Protection Bureau ( CFPB ) to investigate the violation of my privacy and provide a remedy, including but not limited to the forgiveness of my student loan debt. 

Background and Facts : I am a borrower of federal student loans administered by the Department of Education. 

I became aware that my personal information, specifically related to my student loan records, had been accessed and viewed without my consent. This access appears to have occurred through the Department of Educations systems. 


It has come to my attention that individuals and entities, notably XXXX XXXX and DOGE ( the cryptocurrency project or its associated network ), had access to my personal data. This access was unauthorized, and I did not provide permission for any third party to review, share, or utilize my student loan information. 


The actions of these parties constitute a breach of my privacy rights under federal law, including the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974, which prohibit unauthorized access to student records.

Furthermore, the Department of Education and related entities entered into a contractual agreement with me when I took out federal student loans. This agreement includes the understanding that my personal data, including information related to my loans, will be protected and only shared in accordance with applicable laws and regulations. 

By allowing unauthorized access to my data, the Department of Education and other involved parties have breached the contract between us. The breach of contract stems from their failure to protect my personal information as agreed, and their failure to ensure that only authorized individuals and entities have access to it. 

Given the unauthorized nature of the access to my personal data, and the potential for harm caused by the misuse or exposure of such sensitive information, I am seeking a formal investigation into this matter. 


Request for Action : I request that the Consumer Financial Protection Bureau initiate an investigation into the unauthorized access of my personal data by XXXX XXXX, DOGE, or any related parties. This access, which occurred through the Department of Educations systems, is a direct violation of my privacy rights. 


I am requesting that appropriate corrective actions be taken to ensure the security and confidentiality of my student loan records and personal data moving forward. 


Given the severity of this situation, I also request that my federal student loan debt be forgiven. The unauthorized access of my data has caused undue stress and potential harm to my financial and personal well-being. It is my belief that, given these circumstances, student loan forgiveness is an appropriate remedy.


Additionally, I request that you provide guidance on any further actions I may take to protect my data and ensure that similar breaches do not occur in the future.

Conclusion : The unauthorized access and potential misuse of my personal data through the Department of Educations systems is an extremely serious matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this breach of my privacy and take the necessary steps to address this violation, including facilitating the forgiveness of my student loan debt. 

Please confirm the receipt of this complaint and advise me on the next steps in this process. I look forward to your prompt response and to a resolution of this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation