Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXDOB: XXXXDate: XXXX XXXX XXXXSubject: FRAUD AND IDENTITY THEFT DISPUTE  UNAUTHORIZED STUDENT LOAN ACCOUNTS REPORTED BY EDFINANCIAL XXXX XXXXPursuant to 15 U.S.C.  1681c-2 and  1681i(a)\n\nDear XXXX  Compliance Department,\n\nThis letter serves as a formal fraud and identity theft dispute regarding several accounts being reported under my name and Social Security number by EdFinancial / XXXX. I have no knowledge of, did not apply for, authorize, or receive any benefit from these accounts. These tradelines were fraudulently created or assigned to my consumer file in error and must be immediately blocked and deleted under the Fair Credit Reporting Act.\n\nAccounts Reported as Fraudulent\n\nCreditor\tAccount XXXX XXXXXXXX XXXXEdFinancial / XXXX XXXX XXXXEdFinancial / XXXX XXXX XXXXEdFinancial / XXXX XXXX XXXXEdFinancial / XXXX XXXX XXXXEdFinancial / XXXX XXXX XXXXEdFinancial / XXXX XXXX XXXXEdFinancial / XXXX XXXX XXXXI have no personal knowledge of these loans, did not execute any promissory notes, and never received any educational or financial benefit tied to these accounts.\n\nLegal Basis for Removal\n\nUnder 15 U.S.C.  1681c-2(a), a consumer reporting agency must block and delete all information that the consumer identifies as resulting from identity theft within four (4) business days of receiving:\n\t1.\tProper identification;\n\t2.\tA copy of an identity theft report or written statement; and\n\t3.\tThe consumers written request for blocking or deletion.\n\nAdditionally, under 15 U.S.C.  1681i(a), XXXX  must conduct a reasonable reinvestigation and remove unverifiable or fraudulent information from the file.\n\nDemand for Immediate Action\n\nI am formally demanding that XXXXtImmediately block, delete, and suppress all EdFinancial / XXXX  accounts listed above from my consumer report;\n\t2.\tCease furnishing or sharing these fraudulent accounts with any third party;\n\t3.\tNotify EdFinancial / XXXX  and any other data furnishers that these accounts were reported as fraudulent; and\n\t4.\tProvide written confirmation of the deletion and blocking within 30 days of receipt of this notice.\n\nIf any of these accounts are verified as legitimate, I demand documented proof of application, contract signature, and disbursement records bearing my genuine signature. Failure to provide this evidence constitutes a violation of 15 U.S.C.  1681s-2(b) and  1681e(b).\n\nNotice to Data Furnisher (EdFinancial / XXXX)\n\nPursuant to 15 U.S.C.  1681s-2(a), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. If EdFinancial / XXXX  cannot validate the authenticity of these loans through original application records and signed agreements, they must immediately cease furnishing this data to all credit bureaus.\n\nFailure to comply constitutes willful non-compliance under 15 U.S.C.  1681n, making both the bureau and the furnisher subject to statutory damages, punitive damages, and attorneys fees.\n\n\nAffidavit of No Knowledge or Authorization\n\nI, XXXX XXXX hereby declare that I have no knowledge or connection to any student loans or financial accounts held with EdFinancial / XXXX. Any accounts reported in my name are fraudulent and unauthorized. I did not apply for or sign any loan documents.\n\nEnclosures\n\t\tCopy of Government-Issued ID (Drivers License / State ID)\n\t\tProof of Current Address (Utility Bill or Lease)\n\t\tCopy of Credit Report Highlighting the Fraudulent Accounts\n\t\tOptional: FTC Identity Theft Report or Local Police Report (if available)\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation