Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX, XXXX Washington, XXXX XXXX Subject : Formal Request for Student Loan Removal Due to XXXX XXXX Dear Loan Servicer/Department of Education Representative XXXX 

I am writing to formally request the removal of my student loan ( XXXX ) due to multiple violations of the Family Educational Rights and Privacy Act ( XXXX ) that have directly impacted my rights and financial obligations. Upon a thorough review of my loan records, I have identified breaches in the handling of my personally identifiable information ( PII ), as well as procedural failures that have rendered my loan ( XXXX ) invalid. 

Violation of XXXX and My Rights as a Borrower According to XXXX XXXX Code XXXX and XXXX XXXX Part XXXX, educational institutions and their affiliates must safeguard student records and obtain proper authorization before disclosing or utilizing student information for purposes beyond the intended scope. The violations include, but are not limited to : XXXX. Unauthorized Disclosure of Personally Identifiable Information ( PII ) My student loan data, including my Social Security number, enrollment status, and financial details, have been accessed and shared without my explicit consent. violating my XXXX rights. 
The Department of Education and its contracted loan servicers were required to obtain my written authorization before sharing my data with XXXXparty collectors or agencies. 

XXXX. Failure to Provide Full Access to My Educational Records Upon Request Under XXXX, I have the right to review and correct errors in my student records. 
However, repeated requests for original loan documentation, including signed promissory notes and disbursement records, have gone unanswered. 
The inability to provide these records indicates a procedural failure that voids the legitimacy of the loan obligation. 

XXXX. Unlawful Misrepresentation and Processing Errors Misrepresentation of my loan status, interest rates, and repayment obligations due to incomplete or incorrect disclosures is a direct violation of federal law. 
The Department of Education and loan servicers must comply with due process when managing loan disbursements, servicing, and collections. Failure to do so constitutes a material breach. 

Formal Demand for Loan Discharge and Record Removal Due to these clear XXXX violations and non-compliance with federal regulations, I am demanding the immediate removal and discharge of my student loan ( XXXX ) from all records, including : The National Student Loan Data System ( XXXX ) All credit reporting agencies ( XXXX XXXX XXXX  ) Any affiliated loan servicers, collection agencies, or XXXXparty entities Legal Grounds for Discharge As per XXXX XXXX XXXX, misrepresentation and non-compliance with federal student aid regulations warrant loan cancellation. Furthermore, under XXXX ( XXXX CFR Part XXXX ), the mishandling of educational records can result in federal enforcement actions, including the loss of funding for institutions and agencies involved. 

Failure to act on this request will result in further legal action, including formal complaints with the Federal Student Aid Ombudsman Group, the Consumer Financial Protection Bureau ( CFPB ), and the U.S. Department of Educations XXXX XXXX. 

I expect a written confirmation of loan removal within XXXX days of receipt of this letter. Please send all responses in writing to my address above. 

Sincerely, XXXX XXXX XXXX : U.S. Department of Education, Student Loan Ombudsman Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Credit Bureaus ( Equifax, Experian, TransUnion )

Company response to consumer: Untimely response