Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Subject : Formal XXXX Dispute Request Inaccurate and Incomplete Reporting on Student Loan Accounts Dear XXXX, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am formally disputing the accuracy and completeness of several accounts currently appearing on my credit report dated XX/XX/XXXX ( File # XXXX ). 
Please conduct a full reinvestigation into the following accounts, verify each entry directly with the original creditor, and remove or correct any inaccurate, outdated, or unverifiable information. 
________________________________________ Disputed Accounts XXXX. EDFINANCIAL Account # XXXX Type : Student Loan Installment Account Date Opened : XX/XX/XXXX Reported Balance : {$9600.00} Monthly Payment : {$100.00} Issue : The account reports multiple late payments ( XX/XX/XXXX days ) for XXXX XXXX, followed by Current in subsequent months. 
o This is inconsistent and likely a reporting error, as federal student loans were under forbearance/administrative pause during that time. 
o Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reasonable cause to believe is inaccurate. 
o Please provide documentation proving that I was actually delinquent during this period, or remove these derogatory marks. 
________________________________________ XXXX. EDFINANCIAL Account # XXXX Type : Student Loan Installment Account Date Opened : XX/XX/XXXX Reported Balance : {$14000.00} Monthly Payment : {$130.00} Issue : Similar to above, this account shows 90-day late marks in XX/XX/XXXX, then immediately reports OK the following month. 
o No payment history substantiates the alleged delinquency. 
o Inaccurate late reporting violates FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( duty to reinvestigate ). 
o Please validate payment history and remove any unverifiable or inconsistent late entries. 
________________________________________ XXXX. EDFINANCIAL Account # XXXX Type : Student Loan Installment Account Date Opened : XX/XX/XXXX Reported Balance : {$11000.00} Monthly Payment : {$110.00} Issue : This account reports a 90-day late mark in XX/XX/XXXX and XXXX late in XX/XX/XXXX, followed by OK in XX/XX/XXXX. 
o This pattern is illogical and inconsistent with loan servicing. 
o I request a complete investigation into the validity of these delinquencies and correction of the payment history. 
________________________________________ XXXX. EDFINANCIAL Account # XXXX Type : Student Loan Installment Account Date Opened : XX/XX/XXXX Reported Balance : {$17000.00} Monthly Payment : {$170.00} Issue : The account also shows false delinquency reports during XXXX ( notably XX/XX/XXXX as 90-day late ). 
o Given that the loan history was otherwise OK for years, these entries appear to be batch-reporting or administrative errors. 
o Please verify the payment records directly with EDFinancial and delete any unverifiable derogatory data. 
________________________________________ Requested Action Under FCRA 611 ( a ), I request that TransUnion : 1. Reinvestigate these accounts within 30 days. 
2. Provide me with written verification and documentation received from each furnisher.

3. Delete or correct any unverifiable or inaccurate information.

4. Provide an updated copy of my credit report reflecting any changes. 
________________________________________ I expect a written response within the statutory time frame. Please send all correspondence to the mailing address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation