Consumer complaint received 2025-06-21 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: NY

Complaint narrative:
I recently sent, emailed and called requesting inaccuracy being reported on my credit file. O have attached proof that the account has been XXXX and closed since XX/XX/XXXX. I have made diligent efforts to resolve this with you and I have not received your response within the time frame allowed by law. Under ( FCRA ) Fair Credit Reporting Act 15 USC 41 and section 1681i which requires that you adhere to my request, investigate and respond within a 30 day period, unless you notify me immediately otherwise. By not replying in a timely matter you have not only violated federal law but you have failed to provide me with any correspondence or documentation. 
Failure to verify the stated information within the 30 day time period constitutes " non-verification and the accounts in question must be immediately removed from my credit profile and report according to 15 USC 41 Section 168li ( a ). I demand that the following and all inaccurate, negative, outdated and erroneous information be removed from my credit profile immediately and updated accordingly. The following inaccuracies ( et.al ) that remain on my credit report are : Accounts : XXXX : XXXX  ( XXXX XXXX ) Type : INSTALLMENT Loan Type : XXXX XXXX  Responsibility : XXXX Remarks : PAYMENT DEFERRED Account # XXXX Credit Limit : High Credit : {$6000.00} Terms : XXXX XXXX : XXXX XXXX XXXX  XXXX ) Type : INSTALLMENT Loan Type : XXXX XXXX  Responsibility : XXXX Remarks : PAYMENT DEFERRED Account # XXXX Credit Limit : High Credit : {$1500.00} Terms : XXXX XXXX : XXXX XXXX XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : PAYMENT DEFERRED Account # XXXX Credit Limit : High Credit : {$3500.00} Terms : XXXX XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : PAYMENT DEFERRED Account # XXXX Credit Limit : High Credit : {$2000.00} Terms : XXXX Late Payments ( 33 Months ) XXXX XXXX  : Amount : Date : Balance : {$3500.00} Past Due : {$0.00} Last Payment : Charge Off : Payment Pattern Balance : {$13000.00} Past Due : {$0.00} Last Payment : Charge Off : Payment Pattern Balance : {$2600.00} Past Due : {$0.00} Last Payment : Charge Off : Payment Pattern Balance : {$7200.00} Past Due : {$0.00} Last Payment : Charge Off : Payment Pattern Balance : {$4300.00} Past Due : {$0.00} XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : PAYMENT DEFERRED Account # XXXX Credit Limit : High Credit : {$4500.00} Terms : XXXX Balance : {$7800.00} Past Due : {$0.00} Last Payment : Charge Off : Late Payments ( 33 Months ) Delinquency XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : PAYMENT DEFERRED Maximum : Amount : Date : Account # XXXX Credit Limit : High Credit : {$4000.00} Terms : XXXX Late Payments ( 33 Months ) Delinquency Maximum : Amount : XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : CLOSED Account # XXXX Credit Limit : High Credit : {$4000.00} Terms : XXXX Late Payments ( Months ) Delinquency Maximum : Amount : XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : CLOSED Account # XXXX Credit Limit : High Credit : {$3500.00} Terms : XXXX Late Payments ( Months ) Delinquency Maximum : Amount : XXXX : XXXXXXXX XXXX XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : Remarks : CLOSED Account # XXXX Credit Limit : High Credit : {$3500.00} Terms : XXXX Late Payments ( 29 Months ) Delinquency XXXX XXXX XXXX  ( V XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : CLOSED Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Account # XXXX Credit Limit : High Credit : {$4000.00} Terms : XXXX Late Payments ( 29 Months ) Delinquency Maximum : XX/XX/XXXX ( XXXX ) XXXX : XXXX XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : CLOSED Account # XXXX Credit Limit : High Credit : {$1500.00} Terms : XXXX Late Payments ( 28 Months ) Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX XXXX : XXXX XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : I Remarks : CLOSED Account # XXXX Credit Limit : High Credit : {$6000.00} Terms : XXXX Late Payments ( 28 Months ) Delinquency Maximum : XX/XX/XXXX XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : CLOSED Account # XXXX Credit Limit : High Credit : {$2000.00} Terms : XXXX Late Payments ( Months ) Delinquency XXXX : XXXX XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : CLOSED Maximum : Amount : Date : Account # XXXX Credit Limit : High Credit : {$4500.00} Terms : XXXX Late Payments ( 28 Months ) XXXX Delinquency XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : CLOSED Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Account # XXXX Credit Limit : High Credit : {$1500.00} Terms : XXXX Late Payments ( Months ) Delinquency XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : Remarks : Maximum : Amount : Date : Account # XXXX Credit Limit : High Credit : {$6000.00} Terms : XXXX Late Payments ( Months ) Delinquency XXXX : XXXX XXXX ( XXXX XXXX ) XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : I Remarks : CLOSED Maximum : Amount : Date : Account # XXXX Credit Limit : High Credit : {$2000.00} XXXX : XXXX ( XXXX XXXX ) Type : INSTALLMENT Loan Type : STUDENT LOAN Responsibility : XXXX Remarks : CLOSED Account # XXXX Credit Limit : High Credit : {$4500.00} Terms : XXXX Once again I am notifying you that these items are not reported correctly for the reasons indicated, and I am strongly requesting that you remove them from my credit profile immediately as they represents a very serious error in your reporting or lack thereof. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Failure to comply with the XXXX regulation by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41.et seq ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney XXXX office, should you continue in your non-compliance and violation of XXXX XXXX. I further remind you that as in XXXX v. XXXX XXXXXXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you XXXX be subject and liable for your willful non-compliance. As you have now violated XXXX XXXX, by not properly investigating within the required timeframe, which I have evidence of such, via certified mail receipt 's, you must now remove all items. ALL ITEMS! 
Any action or inaction on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for each occurrence : XXXX. Defamation XXXX. Negligent enablement of XXXX XXXX XXXX. Violation of The Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself before an Administrative Judge. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC section 1681n and 1681o, which require your compliance with the law.

Also, 15 USC sections 1681i ( d ) and 1681j of the Fair Credit Reporting Act ( FCRA ) require that I receive written notification of the updates, an up -to-date credit report ( at no charge ) and that an up to date credit report be sent to anyone who received my credit report within the last XXXX months. 
Thank you for your time and attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Untimely response