Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
b'FILE A DISPUTE\nXXXX XXXX XXXX XXXX\nXXXXnReport date: XXXX XXXX XXXX\n\nBack\nReported balance\n$XXXX\nActual payment amount\n$XXXX\nDate of last payment\nXXXX\nPast due amount\nAccount status\nClosed\nDate reported\nXXXXnPayment details\nLast reported\nReview your last reported payment information. if you find information that is inaccurate or incomplete, click FILE A DISPUTE button below.\nAccount type\nRevolving EFX Help mark icon\nAccount owner\nIndividual Account\nLoan type\nCredit Card\nCreditor classification\nRevolving credit limit\n$XXXX\nHigh credit amount\n$XXXX\nTerm frequency\nMonthly\nTerm duration\nActivity designator\nPaid and Closed\nDate opened\n0XXXX\nDate reported\nXXXX\nDate of last activity\nPayment Details\nMonths reviewed\XXXX\nDate of last payment\nXXXX\nDeferred payment start date\nScheduled payment amount\nDate closed\nXXXX\nActual payment amount\n$XXXX\nCharge off amount\nDelinquency History\nBalloon payment date\nDate of first delinquency\nXXXX\nBalloon payment amount\nAmount past due\nDate of major delinquency reported\nComments\nConsumer Disputes After Resolution\nClosed Or Paid Account/XXXX Balance\nAccount Closed By Credit Grantor\nCredit Card\nPayment status\nView your monthly payment status by year. Click Historical details to select a category and dispute specific information.\nYear\tXXXX\t\nOK\nOK\nOK\nOK\nOK\nOK\nOK\n30\n2022\t\nOK\nOK\nOK\nOK\nOK\nYear\tXXXX\nOK\nPays as Agreed\nPast Due\nC\nCollection Account\nCO\nCharge Off\nToo New to Rate\nFC\nForeclosure completed\nR\nRepossession\nNo Data Available\nCA\nCurrent account\nVS\nVoluntary surrender\nHistorical details\nSelect a category to view and dispute specific historical payment information.\nLender or creditor contact information\nXXXX XXXX XXXX XXXX XXXX XXXX Attn XXXX XXXX VA XXXX8\nXXXX XXXX XXXX XXXX Can I contact a lender or creditor directly?\nDisputes\n\n\nChatGPT said:\nThanks for the detailed info. Based on what you\'ve provided, here\'s a legally compliant FCRA dispute letter for the XXXX XXXX XXXX XXXX account ending in XXXX, focused on disputing the late payment in XXXX XXXX which appears inconsistent with a XXXX XXXX payment and account closure.\n\n FCRA Dispute Letter  XXXX XXXX XXXX XXXX\nYour Name\n[Your Full Legal Name]\n[Your Address]\n[City, State ZIP]\n[Phone Number]\n[Email Address]\nDOB: [MM/DD/YYYY]\nSSN (last 4 digits): XXXX]\nDate: [Insert Date]\n\nTo:\n[XXXX  / XXXX / XXXX  choose appropriate bureau or send to all]\n[Use their standard dispute mailing address]\n\nSubject: Formal Dispute  XXXX  XXXX XXXX XXXX (Acct #: ending in XXXX)\n\nDear [Credit Bureau Name],\n\nI am writing to formally dispute an inaccurate late payment reported on my credit file regarding the account with XXXX XXXX XXXX XXXX (Account #: ending in XXXX). According to my credit report, this account is marked as 30 days late in XXXX XXXX, yet it reflects a $XXXX  payment on XXXX and was closed on XXXX, with a $XXXX balance.\n\nThis reporting contains inconsistencies and is likely inaccurate for the following reasons:\n\nThe account reflects "Pays as Agreed" status except for the XXXX XXXX mark.\n\nA final payment of XXXX  was made on XXXX, which calls into question any delinquency status.\n\nThe account was closed in XXXX XXXX, and no collections or ongoing balance remained.\n\nNo delinquency notice was issued, nor was I informed of any default before the account\'s closure.'

Company response to consumer: Untimely response