Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
Illegal debt buyer Reliant capital solutions XXXX XXXX # : XXXX Date open : XX/XX/XXXX XXXX status : collection Type of acct : debt buyer Original balance : {$4300.00} NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : in response to CFPB # XXXX. Your debt validation has been officially denied. I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. I demand this account be deleted from my consumer report immediately. The transfer of my nonpublic personal information in your office as stated by Reliant Capital Solution LLC is an act of aggravated identity theft and using the mailing system to collect debt that is not owed to your company is mail fraud and extortion. 

XXXX XXXX. XXXX Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. 

XXXX XXXX XXXX- XXXX of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

XXXX XXXX. XXXX is a federal law that defines mail fraud. It states that mail fraud occurs when someone uses the XXXX mail to further a criminal act, such as by : Devising a scheme to defraud, Intending to perform fraudulent acts, Mailing something to execute the scheme, and Making false representations. 

XXXX XXXX XXXX XXXX ( XXXX ) - False or misleading representations ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

I have recently come across information from the XXXX XXXX Rights and Privacy Act of XXXX. This law protects the privacy of student education records from kindergarten through graduate school. XXXX applies to all schools that receive funds through an applicable program of the XXXX Department of Education, and thus most postsecondary schools are covered by XXXX. 

The XXXX XXXX Rights and Privacy Act of XXXX ( XXXX ) protects the privacy of students by limiting third party access to student education records. When a student reaches the age of XXXX or begins attending a postsecondary institution, regardless of age, XXXX rights transfer from the parent to the student. Students have a right to know about the purpose, content, and location of information kept as a part of their educational records. They also have a right to expect that information in their educational records will be kept confidential. 

Accordingly, XXXX gives students the following rights regarding their education records. The right to access education records kept by the school, The right to amend education records, The right to request that education records be disclosed only with student consent ( this means that the student " owns '' the XXXX record in that no one at the University may access or discuss the content of the file with parents, guardians, or third-party providers WITHOUT THE XXXX WRITTEN CONSENT of the student ) and The right to file complaints for unauthorized disclosure of education records. The right to request education records be disclosed only with student consent. The right to consent to disclosures of personally identifiable information contained in the student 's education records, except to the extent that XXXX authorizes disclosure without consent. One exception, which permits disclosure without consent, is disclosure to school officials with legitimate educational interests.

Company response to consumer: Closed with non-monetary relief