Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX Subject : Improper Student Loan Transfer Reporting, Inflated Aggregate Debt Reporting, Duplicate or Fragmented Tradelines, Failure to Conduct Reasonable Investigation, and Failure to Provide Adequate Data Breach Notice I am submitting this complaint regarding harmful and potentially inaccurate credit reporting practices connected to the transfer and servicing of my federal student loans from XXXXDepartment of Education servicing to XXXX. My consumer reports from XXXX, XXXX, and XXXX reflect numerous active XXXX student loan tradelines reporting simultaneously with historical transferred Department of EducationXXXX tradelines and dispute-related remarks. My reports currently reflect : Nearly {$190000.00} in reported student loan debt Numerous separate XXXX tradelines reported as active simultaneously Historical transferred tradelines remaining visible after servicing transfers Transferred and TransferSoldPaid account designations Consumer disputes after resolution and similar dispute-related remarks Multiple overlapping reporting histories connected to the same servicing transfers My XXXX report currently reflects : XXXX Score XXXX of approximately XXXX XXXX open accounts Total loan debt reported at approximately {$190000.00} I believe these reporting practices may materially inflate or misrepresent my consumer debt profile and negatively affect : debt-to-income calculations, underwriting decisions, lending opportunities, credit scoring algorithms, and overall creditworthiness. Although many accounts are reported as current or never late, the cumulative reporting structure itself appears harmful and misleading due to the volume of simultaneous tradelines and transfer-related reporting practices. I believe these actions may violate the Fair Credit Reporting Act ( FCRA ), including duties to : maintain maximum possible accuracy, conduct reasonable investigations, avoid misleading reporting, properly correct disputed information, and prevent inaccurate or duplicative reporting practices. I also recently became aware of the XXXX XXXX data breach settlement involving compromised borrower information. I do not recall receiving meaningful notice regarding : my eligibility, settlement participation rights, claims procedures, or available remedies connected to the breach. I request the following : Full investigation into all XXXX, XXXX, and Department of Education tradelines reported across all consumer reporting agencies. Verification that balances were not duplicated, inflated, fragmented, or misleadingly reported during servicing transfers. Investigation into whether the cumulative tradeline structure improperly suppressed my credit scores or distorted my debt profile. Removal or correction of inaccurate, misleading, duplicative, or harmful reporting remarks. Written explanation describing how these servicing transfers were furnished to all consumer reporting agencies. Clarification regarding whether I was included in any XXXX data breach notifications, settlement communications, or remediation efforts. Preservation of my rights concerning any pending or future litigation, settlement class, administrative review, borrower relief program, or regulatory enforcement action involving XXXX, XXXX, or Department of Education servicing and reporting practices. Any additional remediation, compensation, correction, discharge review, or administrative relief deemed appropriate under federal consumer protection laws. Attached supporting evidence includes : Experian credit report XXXX credit report XXXX credit report Student loan tradeline records Transfer reporting entries Credit score information Dispute-related reporting remarks

Company response to consumer: Untimely response