Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
RE : FORMAL DISPUTE VIOLATIONS OF FEDERAL LAW ( FCRA ) & DEMAND FOR INVESTIGATION AND DELETION To Whom It May Concern, I am writing to formally dispute multiple inaccurate, incomplete, and unverifiable items currently being reported on my consumer credit file. This letter serves as a formal notice of dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After reviewing my credit reports, I have identified several violations of federal law, including but not limited to : - Reporting of inaccurate personal identifying information - Reporting of accounts with incomplete or unverifiable data - Reporting of conflicting account histories across bureaus - Failure to ensure maximum possible accuracy as required under 1681e ( b ) -- - # # # PERSONAL INFORMATION DISPUTE ( IDENTITY INCONSISTENCIES ) The following personal information is inaccurate, inconsistent, or does not belong to me and must be removed immediately : Names : - XXXX XXXX ( incorrect/misspelled ) - XXXX XXXX XXXX XXXX inconsistent variation ) - XXXX XXXX XXXX ( incomplete variation ) Addresses : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC - XXXX XXXX XXXX, XXXX, SC - XXXX XXXX XXXX, XXXX, SC - XXXXXXXX XXXX XXXX XXXX XXXX, SC - XXXXXXXX XXXX XXXX XXXXT XXXX XXXX, XXXX, SC - XXXX XXXX XXXX ( all variations ) - XXXX XXXX XXXX XXXX XXXX, XXXX, SC - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SC - XXXX XXXX XXXX XXXX ( without apartment number incomplete ) Phone Numbers : ( All numbers not currently in my possession or use must be deleted immediately. ) These inconsistencies raise serious concerns regarding mixed file and identity integrity, which directly violates 1681e ( b ) of the FCRA. -- - # # # ACCOUNT DISPUTES ( UNVERIFIABLE / INACCURATE ) I am disputing the following accounts due to lack of proper validation, incomplete reporting, and inconsistent account history : -- - DEPT OF EDUCATION / XXXX ( MULTIPLE ACCOUNTS ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ( And all related tradelines ) - Reported as 90180 days late with conflicting timelines - Marked as transferred yet still reporting derogatory history - Potential duplicate or re-aged reporting across multiple tradelines - Failure to provide full chain of title and validation of debt -- - # # # LEGAL DEMAND Under the Fair Credit Reporting Act : - 1681i ( a ) ( 1 ) : You are required to conduct a reasonable investigation within 30 days - 1681e ( b ) : You must ensure maximum possible accuracy - 1681i ( a ) ( 5 ) : You must delete any information that can not be verified -- - # # # DEMAND FOR ACTION I am demanding the following : 1. Immediate deletion of all inaccurate personal information listed above 2. Full investigation and verification of all disputed accounts 3. Deletion of any account that can not be properly verified 4. Written confirmation of all updates made to my credit file If these items are verified, you must provide : - Method of verification - Name, address, and contact of the furnisher - Complete documentation bearing my signature Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau, state regulators, and potential civil claims for willful noncompliance. -- - This is not a requestit is a formal notice of dispute. I expect a timely and lawful response within the 30-day investigation period. Sincerely, XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Untimely response