Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: AL

Complaint narrative:
I am submitting this formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) due to unauthorized access to my Federal Student Aid ( FSA ) records. 

Key Details : Date of violation : XX/XX/year> Entity responsible : Federal Student Aid ( FSA ), U.S. Department of Education Issue : Unauthorized access to my personal and financial records without my consent Actions I took : Submitted a formal complaint to the Department of Educations Student Privacy FERPA Office Notified my loan servicer about the unauthorized access Filed a report with Federal Student Aid ( FSA ) to document the potential breach Description of Violation : On XX/XX/year>, I discovered that my student loan records within the Federal Student Aid ( FSA ) system were accessed without my authorization. Under FERPA regulations, FSA is legally required to protect the privacy of student records and restrict access to authorized personnel only. 

If my personally identifiable information ( PII ) including my loan balance, repayment terms, and financial detailswas viewed, shared, or modified without my explicit consent, this constitutes a direct violation of federal law and exposes me to identity theft, fraud, and financial risk. 

Despite my efforts to report this issue and seek clarity, I have not received a satisfactory explanation from FSA regarding : Who accessed my records Why the access occurred What specific information was viewed or modified Impact of the Violation : This breach has caused significant privacy concerns, including : Potential misuse or unauthorized modification of my student loan account.

Loss of trust in FSAs ability to secure borrower data.

Emotional distress due to the mishandling of my private financial information.

Requested Resolution : I request that FSA and the appropriate federal agencies take immediate action to : Conduct a formal investigation into the unauthorized access of my records. 
Provide a written report confirming whether my data was accessed, altered, or disclosed. 
Enhance security measures to prevent future FERPA violations. 
Notify all affected borrowers if their student loan data was improperly accessed. 
Offer compensation or corrective measures if this violation caused financial harm. 
Formal Request for Response : I request a written response within 30 days detailing : The findings of your internal investigation into this breach. 
The corrective actions being implemented to secure borrower data. 
Whether affected borrowers, including myself, will receive compensation or debt relief due to this failure to protect student loan records. 
Failure to properly address this matter may result in additional formal complaints being filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The U.S. Department of Justice ( DOJ ) Legal counsel specializing in data privacy violations Conclusion : Federal Student Aid ( FSA ) has a legal and ethical obligation to protect borrower records and comply with FERPA. If my student loan records were improperly accessed, FSA must be held accountable and take immediate corrective action to ensure borrower data security. 

I expect urgent attention on this matter and request an immediate investigation and resolution.

Company response to consumer: Closed with explanation