Consumer complaint received 2025-03-19 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: EdFinancial Services
State: MD

Complaint narrative:
I sent the following correspondence to the company. They are violating my rights and causing me great harm my reporting student loan information on my account without permission XXXX/XXXX/2025 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Email Address : XXXX Account # XXXX U.S. Department of Education Edfinancial Services XXXX XXXX XXXX XXXX, TN XXXX Formal Request for Student Loan Removal Due to FERPA Violations Dear Edfinancial Services, I am writing to formally request the removal of my student loan ( s ) due to multiple am writing to formally request the removal of my student loans ) due to multiple violations of the Family Educational Rights and Privacy Act ( FERPA ) that have directly impacted my rights and financial obligations. Upon a thorough review of my loan records, I have identified breaches in the handling of my personally identifiable information ( PII ), as well as procedural failures that have rendered my loans ) invalid.

Violation of FERPA and My Rights as a Borrower According to 20 U.S. Code 1232g and 34 CFR Part 99, educational institutions and their affiliates must safeguard student records and obtain proper authorization before disclosing or utilizing student information for purposes beyond the intended scope. The violations include, but are not limited to : 1. Unauthorized Disclosure of Personally Identifiable Information ( PII ) My student loan data, including my Social Security number, enrollment status, and financial details, have been accessed and shared without my explicit consent, violating my FERPA rights.

The Department of Education and its contracted loan servicers were required to obtain my written authorization before sharing my data with third-party XXXX or agencies. 
2. Failure to Provide Full Access to My Educational Records Upon Request Under FERPA, I have the right to review and correct errors in my student records. 
However, repeated requests for original loan documentation, including signed promissory notes and disbursement records, have gone unanswered. 
The inability to provide these records indicates a procedural failure that voids the legitimacy of the loan obligation. 
3. Unlawful Misrepresentation and Processing Errors Misrepresentation of my loan status, interest rates, and repayment obligations due to incomplete or incorrect disclosures is a direct violation of federal law. 
The department of education and loan servicers must comply with due process when managing loan disbursements, servicing, and collections. Failure to do so constitutes a material breach. 
Formal Demand for Loan Discharge and Record Removal Due to these clear FERPA violations and non-compliance with federal regulations, I am demanding the immediate removal and discharge of my student loans ) from all records, including : The National Student Loan Data System ( NSLDS ) All credit reporting agencies ( XXXX, XXXX, XXXX ) Any affiliated loan servicers, collection agencies, or third-party entities Legal Grounds for Discharge As per 34 CFR 668.71-75, misrepresentation and non-compliance with federal student aid regulations warrant loan cancellation. Furthermore, under FERPA ( 34 CFR Part 99 ), the mishandling of educational records can result in federal enforcement actions, including the loss of funding for institutions and agencies involved. 
Failure to act on this request will result in further legal action, including formal complaints with the Federal Student Aid XXXX  Group, the Consumer Financial Protection Bureau ( CFPB ), and the U.S. Department of Education 's FERPA Office. I expect a written confirmation of loan removal within 30 days of receipt of this letter. Please send all responses in writing to my address above. 
Sincerely, XXXX XXXX XXXX : XXXX Department of Education, Student Loan XXXX  Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Credit Bureaus ( XXXX, XXXX, XXXX )

Company response to consumer: Closed with explanation