Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: OH

Complaint narrative:
I reject EdFinancial Services LLCs response and reaffirm my dispute of the 90-day delinquency reported to Experian in XX/XX/XXXX. EdFinancial claims they provided reasonable notice prior to adverse credit reporting ; however, these assertions remain unverified, inconsistent, and contradicted by documented evidence.

The facts are as follows : On XX/XX/XXXX, I only added my phone number to my account. No address changes or new alert enrollments were made.

My email was already on file and was used as my primary and authorized correspondence method, confirmed when I received my EdFinancial account enrollment/servicer transfer email on XX/XX/XXXX ( attached ). 
I received no electronic communication, delinquency warnings, or adverse credit reporting notice from EdFinancial by email prior to XX/XX/XXXX, despite having an authorized and active email on file. I also received no mailed notice or confirmation of delinquency prior to credit reporting. Additionally, postal mail notification of delinquency was never selected or presented as a servicing option for my account, and I never consented to portal-only delinquency communication or phone outreach prior to XX/XX/XXXX. Any assertion that reasonable notice was delivered through an authorized or consumer-selected channel prior to adverse reporting remains unverified and unsubstantiated under FCRA requirements XXXX 
Email is my primary and authorized correspondence method, and I previously received consistent communication directly from the Department of Education regarding my student loan status. I received no electronic or mailed delinquency warnings or adverse credit reporting notice from EdFinancial despite having an active authorized email on file, and I received no calls, call-backs, or voicemails. While servicer assignment can change under DOE authority, adverse credit reporting without reasonable and verifiable pre-reporting notice remains inaccurate and unsubstantiated under the Fair Credit Reporting EdFinancial alleges phone outreach attempts in XXXX, XXXX, XXXX, and XX/XX/XXXX. These claims are factually impossible to verify, as EdFinancial did not have a phone number on file tied to my loan servicing account until XX/XX/XXXX. 
While NSLDS/StudentAid may have stored a historical phone number, EdFinancial did not have a validated or consent-verified phone number on file prior to XX/XX/XXXX. 
I received no voicemails from any number referenced by EdFinancial.

A review of my XXXX call logs shows no incoming or attempted calls from EdFinancial on the dates or times they allege outreach occurred. 
On XX/XX/XXXX, I requested escalation and a supervisor call-back. I was informed I would receive a call within 48 hours. No call-back was received, no voicemail was left, and no leadership outreach attempt was logged. 
On XX/XX/XXXX, I mailed a Method of Verification ( MOV ) request via USPS Certified Mail with Return Receipt requested to EdFinancial Services LLC, Attention : Credit Disputes. USPS tracking confirmed delivery, proving my attempt to obtain verification through an official channel.

My mailing address has never changed and remains my mothers residence, a valid and accessible address where I regularly retrieve mail. Any assertion that I updated my address in XX/XX/XXXX is false. 
As of XX/XX/XXXXXXXX XXXX reopened all student loan tradelines associated with this dispute. These remain orange under Potentially Negative as pending investigation. The reopening occurred only after submission of evidence challenging EdFinancials claims.

My dispute is based on inaccurate credit reporting due to failure to provide reasonable and verifiable notice prior to adverse reporting, denying me a meaningful opportunity to cure the account, which is protected under the Fair Credit Reporting Act ( FCRA ). 

Request : I am formally requesting the update of my case file to reflect the full timeline and evidence, and instruct EdFinancial to : Remove the inaccurate 90-day delinquency reported in XX/XX/XXXX, and Correct or update all affected student loan tradelines reported to XXXX, unless and until EdFinancial can substantiate that reasonable consumer notice was delivered through an authorized channel prior to adverse credit reporting. 

Given the absence of verifiable notice prior to reporting, and EdFinancials inability to provide Method of Verification without escalation, I am requesting deletion or correction of this inaccurate delinquency to prevent continued adverse impact on my credit and future financial opportunities. 

EdFinancial has not substantiated verifiable pre-reporting notice. If this inaccurate delinquency is not corrected within the investigation period, I will pursue all legal remedies available under the Fair Credit Reporting Act and Higher Education Act consumer protections. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation