Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reappearance of an outdated and inaccurate delinquent student loan on my credit report, which has caused significant and unjustified harm to my credit.As of XX/XX/XXXX, the following account appeared : - Creditor Name : US DEPT OF EDUXXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX Reported Balance : {$6400.00} - Reported Account Opened Date : XX/XX/XXXX, XXXXThis debt is more than 17 years old. I have never made a payment on it, entered into a rehabilitation or forgiveness program, or had any communication with the creditor or a collection agency. I did not apply for student loan forgiveness under the current or any previous administration.I called the creditor directly and spoke with three different customer service representatives and a supervisor. One representative confirmed that although the reported open date is XX/XX/XXXX, their internal system shows the original date of delinquency was XX/XX/XXXX. He explained that the account had been automatically brought current due to enrollment in the XXXX XXXX XXXX XXXX XXXX and subsequently re-entered delinquency in XX/XX/XXXX. I explained to each of them that I that is not the case. The representatives acknowledged this information but refused to provide documentation verifying the original delinquency date, which is a violation of my rights as a consumer. One offered to file a dispute on my behalf, but I declined, as I was concerned that doing so through their system could result in the debt being inadvertently re-aged againfurther compounding the problem.Despite this, the account has been reported to the credit bureaus with a false opened date, creating the illusion that this is a new delinquency when in fact it is over a decade old. This directly violates the FCRA, which prohibits the reporting of delinquent accounts more than seven years from the date of the original delinquency.This inaccurate reporting has caused my credit score to fall by XXXX points, despite years of careful financial management and maintaining an XXXX score. It is the only negative item on my report and has already affected my financial standing.I have filed disputes with all three credit bureaus. Each responded that the information was verified as accurate, even while acknowledging that the debt did not originate in XX/XX/XXXX. I also spoke directly with XXXX, who confirmed the account had previously fallen off my report and agreed it should not have reappearedbut stated they could not remove it because the creditor verified it.This is unacceptable and undermines the integrity of the entire credit reporting system. As a consumer, I should not be left powerless to correct a known errorespecially one based on misleading reporting that violates federal regulations.This letter serves as a formal dispute under the Fair Credit Reporting Act. I am demanding that this item be immediately removed from my credit report and that I receive written confirmation of the correction. If this is not resolved promptly, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring all available legal remedies for damages caused by this improper and unlawful re-aging of debt.

Company response to consumer: Untimely response