Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as a significant infringement on my personal privacy and financial security.

Details of the Breach : On XX/XX/XXXX, I discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes, but is not limited to : Academic Records and Personally Identifiable Information ( PII ) : Unauthorized access to my educational records without my consent.

FAFSA Data : Improper access to my Free Application for Federal Student Aid ( FAFSA ) information, encompassing financial aid history and loan details.

IRS Tax Transcripts : Unauthorized retrieval and utilization of my tax records, violating federal data security standards.

These actions contravene my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me control over access to my educational records, and Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. The unauthorized access to my IRS tax data also raises serious concerns regarding potential identity theft and fraud.

Personal Impact : I hold a federal student loan of {$150000.00}, serviced by XXXX, which I incurred for my XXXX XXXX XXXX, graduating in XXXX from the XXXX XXXX. The breach of my financial aid and tax records has invalidated the integrity of my loan agreements and has caused significant distress and concern regarding the security of my personal and financial data. 

Demands for Corrective Action : Given the severity of this breach and its direct impact on my financial security and privacy, I demand the following actions : Immediate Discharge and Cancellation of All Federal Student Loans : Due to the compromise of my financial aid and tax records, the integrity of my loan agreements has been invalidated. 

Formal Investigation : A thorough inquiry into this data breach, detailing how my records were accessed, who accessed them, and for what purposes. 

Comprehensive Report : A full account of the extent of my data exposure and the measures being implemented to prevent future violations.

Credit Bureau Notifications : Immediate alerts to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place fraud alerts and investigate any unauthorized activity resulting from this breach. 

If my demands are not met within 30 days, I will have no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

Sincerely,

Company response to consumer: Untimely response