Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
am writing to formally dispute the reporting of my student loan accounts on my credit report. Due to recent legal proceedings, policy shifts, and economic relief efforts, I believe the continued reporting of this debt is inaccurate, unfair, and in violation of my consumer rights under federal law. I respectfully request the removal of these accounts from my credit file. 



As widely discussed in public forums, including statements by former XXXX XXXX XXXX, financial leaders such as XXXX XXXX, and legislative measures regarding student loan reform, the legitimacy and ethical nature of student loans have been called into question. Various lawsuits, government investigations, and policy changes have demonstrated that student loan servicers engaged in deceptive practices, misrepresented repayment terms, and placed borrowers in financial distress under misleading pretenses. 



The following reasons substantiate my claim : Unfair and Deceptive Loan Servicing Practices Investigations have revealed that federal and private student loan servicers have engaged in misleading and fraudulent activities, including improper loan forbearance, failure to provide accurate information on repayment plans, and unjustified denials of loan forgiveness programs. Borrowers, including myself, have been victims of such unethical lending tactics. Given these facts, the legitimacy of my student loan debt is highly questionable. 
Recent Policy Changes and Loan Discharges The federal government has taken action to cancel billions in student loan debt, acknowledging the systemic failures in the lending and repayment process. Many borrowers have had their loans discharged due to procedural violations, mismanagement, and unfair lending practices. These developments indicate that my student loans should also be subject to removal, as their validity is no longer legally or ethically sound. 
Violations of the Fair Credit Reporting Act ( FCRA ) The FCRA mandates that all information reported to credit bureaus must be accurate, verifiable, and fair. Given the shifting legal landscape and widespread issues surrounding student loans, my debts are neither accurate nor fairly reported. If these accounts can not be fully substantiated within legal and regulatory guidelines, they must be removed immediately. 




Under the FCRA, I request a formal investigation into the validity of my student loan accounts. If they can not be verified in strict compliance with federal regulations, I demand their deletion. You are required by law to complete this review and respond within 30 days. 



If this request is ignored or denied without sufficient legal justification, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. I will also explore legal remedies to ensure my consumer rights are upheld. 



Please send all correspondence related to this dispute to my mailing address. I appreciate your prompt attention to this matter and expect confirmation of the removal of these accounts as soon as possible.

Company response to consumer: Untimely response