Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NY

Complaint narrative:
FERPA Request Letter Demand for Full Student Records & Loan Agreements XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Date : XX/XX/year> U.S. Department of Education Federal Student Aid Customer Service Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : FERPA Request for Full Student Records and Loan Agreements To Whom It May Concern, I am writing to formally request a complete copy of all my student loan records, financial aid agreements, and any documents related to my student loans under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). 

My student loan account details are as follows : Name : XXXX XXXX Loan Amount : {$16000.00} Servicer : U.S. Department of Education Additionally, I request a full record of any disclosures or third-party access to my student loan and financial aid information, including any entities that have accessed, received, or been provided my data. FERPA grants me the right to know who has obtained my records, and I expect full compliance within the 45-day timeframe outlined by federal law. 

Failure to provide these records or evidence of unauthorized sharing may constitute a violation of FERPA and other applicable laws. If I do not receive the requested information, I may escalate this matter to the U.S. Department of Educations Office for Civil Rights and consider further legal action. 

Please send the requested records to my mailing address or email. I expect a prompt response confirming receipt of this request.

Breach of Contract Letter Holding Lender Accountable for Data Breach Subject : Formal Notice Breach of Contract and Unauthorized Data Sharing To Whom It May Concern, I am writing regarding a serious breach of contract concerning my student loan records. It has come to my attention that my personally identifiable information, financial aid records, and student loan details may have been shared without my explicit consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ) and federal consumer protection laws. 

My loan account details : Name : XXXX XXXX Loan Amount : {$16000.00} Servicer : U.S. Department of Education Additionally, my mother, XXXX XXXX, holds a Parent PLUS Loan in the amount of {$17000.00}, and she is also affected by this potential data breach. 

Under FERPA and applicable laws, student loan servicers are prohibited from disclosing personal data without direct authorization. If my information was improperly accessed or disclosed, this represents a breach of contract and a violation of my privacy rights. 

I formally request : 1. A complete and detailed report of any and all third parties who have accessed my student loan records.

2. Immediate corrective action to secure my data and prevent further unauthorized disclosures. 
3. Confirmation of whether my records were unlawfully shared and an explanation of the legal basis for such actions.

If this matter is not addressed in a timely and satisfactory manner, I will explore further legal remedies, including reporting this violation to the U.S. Department of Educations Office for Civil Rights, the Consumer Financial Protection Bureau ( CFPB ), and taking legal action for damages. 

I expect a written response within 30 days of receiving this notice. 

Sincerely, XXXX XXXX XXXX letters are ready to print and send. Let me know if you need any changes!

Company response to consumer: Closed with explanation