Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SLM CORPORATION
State: MO

Complaint narrative:
I am submitting this feedback to formally respond to the companys explanation and to clarify that I am creating a new CFPB case because my prior case, number XXXX, was closed without resolving the underlying dispute. The closure of that case did not correct the inaccurate reporting, did not validate ownership of the account, and did not address the identity theft I reported. As a result, the harm continues, and this matter remains unresolved. 

I do not own the account being reported. I did not open it, authorize it, apply for it, or benefit from it. Because this account is not mine, I filed an FTC Identity Theft Report to formally document that my personal information was used without my permission. The companys response does not meaningfully address this identity theft claim and instead relies on internal records and generalized explanations that do not establish borrower identity. 

Failure to Address Identity Theft The company did not properly address the fact that I filed an FTC Identity Theft Report. Filing this report triggers specific legal obligations under federal law, including the requirement to block or remove disputed information unless the company can provide verified proof that I am the rightful owner of the account. The response does not explain how identity was verified, what steps were taken to investigate the identity theft claim, or why the disputed information was not blocked or removed. 

Merely stating that records exist or that prior billing statements were sent does not establish ownership when identity theft has been reported. Identity theft often involves the creation and use of records that appear legitimate but are unauthorized. The companys response does not rebut this possibility. 

I Do Not Own This Account I continue to dispute ownership of this account. I did not knowingly enter into any agreement for the account being reported, and I did not knowingly receive funds or benefits from it. The company has not provided documentation that proves I personally opened the account, authenticated my identity, or knowingly agreed to the terms. Without this proof, the reporting remains unverified and inaccurate. 

Negative and Legal Action Taken or Threatened By continuing to report this account as delinquent or valid despite my dispute and FTC Identity Theft Report, the company took or threatened to take negative or legal action against me. Negative credit reporting is not neutral. It damages my credit profile, limits my access to credit and housing, and creates the appearance that I am legally responsible for a debt I do not owe. The companys continued reporting exposes me to potential collection activity and other adverse consequences. 

This harm persists because the reporting has not been corrected.

Inadequate Investigation and Verification The companys response does not describe a reasonable investigation. It does not disclose whether the review was manual or automated, what documents were reviewed, or how borrower identity was confirmed. Without a clear method of verification, the conclusion that the reporting is accurate can not be accepted.

The response also fails to address discrepancies, the impact of identity theft protections, or why the account remains associated with my credit profile despite the dispute. 

Improper Closure of the Prior Case The prior CFPB case ( XXXX ) was closed without resolving these issues. Closure does not equal resolution. The underlying dispute remains active because the reporting has not been corrected and ownership has not been validated. For this reason, I am creating this new CFPB case and requesting renewed review and oversight. 

What I Am Requesting I respectfully request that the CFPB require the company to : Fully address the FTC Identity Theft Report Provide verified proof that I am the rightful owner of the account or remove the account entirely Cease all negative reporting related to the disputed account Prevent reinsertion of the disputed information Correct all inaccurate reporting across consumer reporting agencies Until these steps are taken, this matter can not be considered resolved. 

Conclusion I am creating this new CFPB case because the previous case, XXXX, was closed without resolving the dispute. I do not own the account at issue. I filed an FTC Identity Theft Report because I am a victim of identity theft. The company failed to validate ownership and continued reporting information that harmed me, thereby taking or threatening negative or legal action. 

The companys response does not resolve these issues. I respectfully request continued CFPB oversight until the disputed information is either properly validated with verified proof of ownership or removed in accordance with federal law.

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