Consumer complaint received 2025-03-15 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:
XX/XX/XXXX VIA REGISTERED MAIL FOR ALL RECIPIENTS U.S. Department of Education Student Privacy Policy Office XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern : This is a formal complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes an egregious violation of my privacy and financial security, directly violating the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personal identifiable information ( PII ) ; My Federal Student Aid ( FAFSA ) data, including financial aid history and loan information ; and My IRS tax transcripts were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized
access to my IRS tax data raises serious concerns about identity theft, fraud, and/or violations to federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records that invalidate the integrity of my loan agreements ; A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose ; A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations ; and Immediate notification to all major credit bureaus ( XXXX XXXX, and XXXX  ), alerting them of the breach and to investigate any unauthorized activity.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to further escalate this matter through legal channels. A formal complaint has been registered with Federal Trade Commission ( FTC ), the Attorneys General Department of Legal Affairs, and the Consumer Financial Protection Bureau ( CFPB ).

I request a written response addressing these concerns and outlining the immediate actions identified to remedy this situation. Please direct all correspondence to the address listed above. Thank you for your prompt attention to this urgent matter. I look forward to a timely and favorable resolution. Thank you.

Sincerely, XXXX XXXX XXXX ( AKA XXXX XXXX XXXX ) cc : Office of the Attorney General, Department of Legal Affairs State of Florida , Attn : ADA Complaint Coordinator ( XXXX Capitol ) XXXX, FL XXXX Consumer Financial Protection Bureau Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response