Consumer complaint received 2025-07-04 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: Texas Guaranteed
State: LA

Complaint narrative:
To Whom It May Concern, This is a formal rebuttal in response to Trellis Companys statement provided to the Consumer Financial Protection Bureau regarding the inaccurate and unlawfully reported student loan accounts on my credit reports. 
While Trellis claims to not be a debt collector under the FDCPA, this does not exempt the company from the responsibilities and rights afforded to me as a consumer under the FDCPA, FCRA, FERPA, and the Higher Education Act. These federal protections exist regardless of the label assigned to the companys role.

Key Inaccuracies and Legal Violations : Misrepresentation of Account Ownership and Balance : Trellis states I obtained {$6400.00} in loans. However, the attached documents from Trellis clearly show that only {$5100.00} was ever disbursed.

Yet Trellis claims it paid {$8200.00} on my behalf, a number that far exceeds the actual loan amount, without explanation of the fees, interest, or penalties added and without any receipt or proof of those charges.

I request full validation : itemized breakdown, proof of purchase, date and entity from which the debt was acquired, and justification for the inflated balance.

No Prior Notice or Contact Attempts Before Reporting : Before Trellis began reporting this alleged default to the credit bureaus, no contact was ever made to me by phone, email, or physical mail.

This violates FCRA 1681i ( a ) and FDCPA 1692g ( a ), which require notice of the debt and opportunity to dispute it within 30 days. 

I request proof of every method of communication attempted before this information was furnished to XXXX XXXX XXXX XXXX 

Had I been notified, I would have taken immediate action to correct or dispute the matter. 

No History of Payment or Agreement with Trellis : I have never made any payments, entered any repayment plans, nor acknowledged any default or delinquency with Trellis or the company it allegedly represents.

Therefore, no collection or credit reporting activity is lawful without my knowledge, agreement, or default, per FCRA 1681e ( b ) and FDCPA 1692g.

Failure to Provide Full and Verifiable Validation : The so-called payment history provided by Trellis shows no actual payment activity on my part because I never received notice of this account, nor consented to any arrangement.

Trelliss attempt to verify the debt using generic summaries and two promissory notes ( dating back over 20 years ) does not satisfy legal requirements for validation under : FCRA 1681i & 1681g ( a ) FERPA ( requiring protection of educational data ) Higher Education Act FDCPA 1692g ( b ) ( if Trellis has communicated about repayment ) Inaccurate Re-aging of Delinquency : Trellis claims the first date of delinquency was XX/XX/year>, even though the loans were obtained in XXXX and no payments or deferments were reported in the XXXX decades since. 

This constitutes illegal re-aging and violates FCRA 1681c ( a ) ( 4 ), which limits reporting of delinquent federal student loans to 7 years from the date of default.

Identity Theft and Data Breaches Compromised My Rights : My personal and financial information has been exposed in multiple data breaches, including XXXX, third-party data handlers, and the Department of Educations studentaid.gov platform. 

These breaches resulted in fraudulent reporting, unauthorized accounts, and have forced me to freeze my credit, notify agencies, and continuously dispute false information all of which I have documented and attached. 


Emotional & Financial Harm : This inaccurate and unverified account has caused significant emotional distress, financial setbacks, and barriers to progress for both myself and my family. 
Due to this account, I have been denied housing opportunities, faced inflated interest rates, and experienced deep emotional strain trying to understand and correct a situation that I had no knowledge of, no control over, and no participation in. 
This has also placed an undue burden on my time and resources to send certified mail, file complaints, and educate myself on my rights all to defend against inaccurate information that should never have been reported without proper validation, notice, or agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation