Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XXXX Whom It XXXX Concern, I am writing XXXX formally dispute the recent negative credit reporting of my federal student loan, which was placed in collections without proper notice, justification, or servicing transparency. This loan was previously under forbearance due XXXX my enrollment in the federal XXXX XXXX XXXX has been inaccurately reported as being transferred XXXX placed into collections in early XXXX. 

Background According XXXX your records, the loan was transferred XXXX the Department of Education in XX/XX/XXXX, XXXX placed into collections as of XX/XX/XXXX. However, my credit report XXXX attached screenshots demonstrate that the Department of Education had already been reporting this loan since at least XX/XX/XXXX. The timeline XXXX the reporting history presented XXXX me are contradictory XXXX raise serious concerns about potential misrepresentation XXXX a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

My Key Disputes XXXX. Violation of the FCRA Lack of Adequate Notice I was not notified that my forbearance had ended, nor was I informed that any payments were due. A single, unverified letter supposedly sent in XX/XX/XXXX ( which I did not receive ) is not sufficient legal notice. No email, phone call, or follow-up was made. Reporting the loan to credit bureaus without giving me a reasonable opportunity XXXX resolve the issue violates FCRA requirements for fair and accurate reporting. 
XXXX. Misrepresentation of Loan Servicer in XXXX XXXX XXXX credit report screenshots clearly show that the Department of Education was reporting the loan in XXXX and XX/XX/XXXX, long before the claimed XX/XX/XXXX transfer. The reports do not show any change in servicer name ( such as from XXXX to XXXX ), and at no point do they reflect a transition or new loan. This raises serious concerns : Was the loan ever truly under XXXX during this period, or was it always under XXXX and simply mislabeled? 
Was the forbearance status improperly removed to initiate collections and trigger repayment early? 
Why was no transparent documentation or reporting of a servicer change provided? 
XXXX. Incomplete and Inaccurate XXXX XXXX The loan entry on my credit reports has remained unchanged in its labeling as Department of Education throughout XXXX, undermining your claim that it was newly opened or transferred in XXXX. This contradicts legal obligations for accurate and complete credit reporting under the FCRA. 
XXXX. Unreasonable Cure Period Even if the supposed transfer occurred in XX/XX/XXXX, immediately reporting the loan as delinquent XXXX sending it XXXX collections by XXXX provides an unreasonably short window XXXX cure the accountespecially when only XXXX payments could have been missed, XXXX no formal warning or servicing portal access was provided. 
XXXX. Denial of Access XXXX Account Management Tools I was never given access XXXX a loan portal or servicing platform through the Department of Education or a collection agency, making it impossible XXXX  monitor or manage the account responsibly. 
XXXX. Potentially Deceptive XXXX Practices The fact that only XXXX letterallegedly sent in XXXX used as the basis for transitioning the loan into collections raises serious concerns in an environment rife with student loan scams. Multiple contact methods XXXX  transparency are necessary XXXX establish account legitimacy XXXX ensure consumer protections.

Company response to consumer: Untimely response