Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Dispute Fraudulent Student Loan Account Reference : Department of Education Account XXXX XXXX Dear XXXX XXXX XXXX , I am writing to dispute a fraudulent student loan account that appears on my XXXX  credit report. The account is listed under Department of Education, account number XXXX, with a reported balance of {$1900.00} and a date opened of XX/XX/XXXX. 
I am the victim of identity theft and have no knowledge of this account. I have never attended college or applied for any student loan. This account was opened and used without my authorization or consent, and I have no educational history that would justify a loan with the Department of Education. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting that XXXX  immediately block and remove this fraudulent account from my credit report. This law requires credit bureaus to delete any information resulting from identity theft once proper notice is provided. 
I have filed a police report regarding this identity theft and have attached : - A copy of my government-issued identification - A document verifying my current address Please conduct your investigation and provide written confirmation that this fraudulent student loan account has been permanently deleted from my credit file. 
Thank you for your prompt attention and assistance in correcting this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Identity Theft Dispute Fraudulent Student Loan Account Reference : Department of Education Account # XXXX Dear XXXX  Dispute Department, I am writing to dispute a fraudulent student loan account that appears on my XXXX  credit report. The account is listed under Department of Education, account number XXXX, with a reported balance of {$1900.00} and a date opened of XX/XX/XXXX. 
I am the victim of identity theft and have no knowledge of this account. I have never attended college or applied for any student loan. This account was opened and used without my authorization or consent, and I have no educational history that would justify a loan with the Department of Education. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting that XXXX  immediately block and remove this fraudulent account from my credit report. This law requires credit bureaus to delete any information resulting from identity theft once proper notice is provided. 
I have filed a police report regarding this identity theft and have attached : - A copy of my government-issued identification - A document verifying my current address Please conduct your investigation and provide written confirmation that this fraudulent student loan account has been permanently deleted from my credit file. 
Thank you for your prompt attention and assistance in correcting this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Fraudulent Student Loan Account Reference : Department of Education Account XXXX XXXX Dear XXXX XXXX XXXXXXXX , I am writing to dispute a fraudulent student loan account that appears on my XXXX  credit report. 
The account is listed under Department of Education, account number XXXX, with a reported balance of {$1900.00} and a date opened of XX/XX/XXXX. 
I am the victim of identity theft and have no knowledge of this account. I have never attended college or applied for any student loan. This account was opened and used without my authorization or consent, and I have no educational history that would justify a loan with the Department of Education. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting that XXXX  immediately block and remove this fraudulent account from my credit report. This law requires credit bureaus to delete any information resulting from identity theft once proper notice is provided. 
I have filed a police report regarding this identity theft and have attached : - A copy of my government-issued identification - A document verifying my current address Please conduct your investigation and provide written confirmation that this fraudulent student loan account has been permanently deleted from my credit file. 
Thank you for your prompt attention and assistance in correcting this serious matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response