Consumer complaint received 2025-05-30 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: Collection Professionals, Inc.
State: AL

Complaint narrative:
FILE A DISPUTE DEPT OF ED/XXXX  XXXX Report date : XX/XX/XXXXXXXX  Back Reported balance {$0.00} Actual payment amount Date of last payment XX/XX/XXXX Past due amount Account status Closed Date reported XX/XX/XXXXXXXX  Payment details Last reported Review your last reported payment information. if you find information that is inaccurate or incomplete, click FILE A DISPUTE button below. 
Account type Installment XXXX  Help mark icon Account owner Individual Account Loan type Education Loan Creditor classification Installment credit limit High credit amount {$2000.00} Term frequency Term duration Activity designator Paid and Closed Date opened XX/XX/XXXX Date reported XX/XX/XXXX Date of last activity XX/XX/XXXX Payment Details Months reviewed 59 Date of last payment XX/XX/XXXX Deferred payment start date Scheduled payment amount Date closed XX/XX/XXXX Actual payment amount Charge off amount Payment status View your monthly payment status by year. Click Historical details to select a category and dispute specific information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pays as Agreed Past Due C Collection Account CO Charge Off Too New to Rate FC Foreclosure completed R Repossession No Data Available CA Current account VS Voluntary surrender Historical details Lender or creditor contact information DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Based on the information provided, there is a discrepancy worth disputing : the account shows a closed date of XX/XX/XXXX, but the last payment was reported as XX/XX/XXXX. This inconsistency could suggest an error in the reporting timeline. 

Heres a legally compliant FCRA dispute letter tailored to this issue : FCRA Dispute Letter DEPT OF ED/XXXX ( Acct # : ending in XXXX ) Your Name [ Your Full Legal Name ] XXXXXXXX XXXX XXXXXXXX [ Your Address ] XXXX XXXX XXXX XXXX City, State ZIP Code ] MOBILE AL XXXX [ Phone Number ] XXXX [ Email Address ] XXXX Date : [ Insert Todays Date ] XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Credit Report Dispute DEPT OF ED/XXXX  ( Acct # : ending in XXXX ) Dear XXXX, I am writing to dispute inaccurate or incomplete information contained in my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The item in question is reported by DEPT OF EDXXXX XXXX account ending in XXXX, and was last reported on XX/XX/XXXX. 

The discrepancy I am disputing is the account closure date of XX/XX/XXXX, while the last reported payment was on XX/XX/XXXX. An account can not be accurately marked as closed before the final payment is processed. This error may impact my creditworthiness and should be corrected immediately.

Company response to consumer: Closed with explanation