{"took":226,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":40,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20488302","_score":22.809668,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB Complaint Draft Company Name : Ability Recovery Services XXXX University XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX Collection-University of XXXX Issue XXXX XXXX XXXX XXXX a discharged/voided debt. \n\nComplaint Narrative : I am filing this complaint against Ability Recovery Services LLC for repeatedly attempting to collect for XXXX University, a debt as of XX/XX/year> that has been legally XXXX. In addition, The XXXX Department of Education continues to attempt to collect this debt that has been XXXX legally. \n\nThe underlying debt originated from my attendance at XXXX University XXXX XXXX XXXX XXXX University ]. This institution was a named school in the landmark class-action settlement XXXX v. XXXX ( XXXX XXXX v. XXXX, XXXX XXXX. XXXX ). Under the terms of this settlement, my federal student loans were ordered to be XXXX, and I received official evidence of the removal of other student loans associated with the settlement, which has already been removed from my credit report from the XXXX Department of Education on [ XX/XX/year> ], confirming that this debt is no longer owed. \n\nDespite this court-ordered discharge, Ability Recovery Services LLC and XXXX XXXX Department of Education XXXX XXXX report to XXXX XXXX XXXX XXXX XXXX XXXX entities to demand payment. \n\nThis is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : XXXX U.S.C. XXXX : Prohibiting the false representation of the character, amount, or legal status of any debt. \n\nXXXX XXXX. XXXX : Prohibiting unfair or unconscionable means to collect a debt that is not legally owed.","date_sent_to_company":"2026-03-22T14:23:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"Federal student loan debt","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"20488302","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ability Recovery Services, LLC","date_received":"2026-03-22T14:09:57.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Draft Company Name : Ability Recovery Services <em>XXXX</em> University <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Department</em> of <em>Education</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Collection-University of <em>XXXX</em> Issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> a discharged/voided debt. \n\n<em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> against Ability Recovery Services LLC for repeatedly attempting to collect for <em>XXXX</em> University, a debt as of XX/XX/year> that has been legally <em>XXXX</em>."]},"sort":[22.809668,"20488302"]},{"_index":"complaint-public-v1","_id":"20382494","_score":21.890255,"_source":{"product":"Student loan","complaint_what_happened":"CFPB Complaint Narrative - Sloan Servicing I am filing this complaint because Sloan Servicing continues to contact me for payment on my federal student loans, even though I have submitted a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discharge Application to the U.S. Department of Education. My application is currently pending and under review. Under federal law ( 34 C.F.R. 685.213 ), a loan servicer must immediately suspend all collection activity while a XXXX discharge application is being evaluated. However, despite my submission, Sloan Servicing has continued to send billing statements, delinquency notices, and payment demands. \n\nDetails : I submitted my XXXX  discharge application and supporting documents to the U.S. Department of Education. \nMy application is officially pending and should place my loans in administrative forbearance. \nSloan Servicing has continued contacting me, requesting payments, and mailing notices in violation of federal regulations. \n\nThis ongoing communication has caused significant stress as I am XXXX XXXX to work and can not make payments. I have informed the servicer multiple times and provided documentation, but the notices have continued.","date_sent_to_company":"2026-03-18T19:15:24.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"23435","tags":"Servicemember","has_narrative":true,"complaint_id":"20382494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-03-18T19:01:28.000Z","state":"VA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> - Sloan Servicing I am filing this <em>complaint</em> because Sloan Servicing continues to contact me for payment on my federal student loans, even though I have submitted a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Discharge Application to the U.S. <em>Department</em> of <em>Education</em>. My application is currently pending and under review. Under federal law ( 34 C.F.R. 685.213 ), a loan servicer must immediately suspend all collection activity while a <em>XXXX</em> discharge application is being evaluated."]},"sort":[21.890255,"20382494"]},{"_index":"complaint-public-v1","_id":"17904182","_score":20.16492,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Confirmation # : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Dear Equifax Dispute Department : I am writing to formally dispute several inaccurate items on my Equifax credit report dated XX/XX/XXXX ( Confirmation XXXX XXXXXXXX ), pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request that you conduct a reasonable investigation into these matters within XXXX  days, as required by FCRA 1681i ( a ) ( 1 ), and delete or correct any unverifiable or inaccurate information. If you fail to complete the investigation within the statutory timeframe ( extendable to XXXX  days only if additional information is provided by me ), the disputed items must be deleted under FCRA 1681i ( a ) ( 5 ).\n\nPlease note that under FCRA 1681s-2 ( b ), you must forward this dispute to the furnishers of the information ( listed below ) and require them to investigate and verify the accuracy of the reported data. If the information can not be verified as accurate, complete, and current, it must be removed from my report. I have enclosed copies of supporting documentation, including my credit report excerpts, and I am sending copies of this letter to the furnishers via certified mail. \nThe disputed items are as follows : * XXXX XXXX  Services Account ( XXXX ) Reported Details : Status : Charge Off ; Balance : {$1900.00} ; Amount Past Due : {$1900.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : This account is inaccurately reported as a charge-off with an outstanding past due balance. Under FCRA 1681s-2 ( a ) ( 1 ), furnishers must report accurate and complete information. The status may not reflect any post-charge-off payments or settlements, violating the requirement for up-to-date reporting. Additionally, the delinquency dates appear re-aged or inconsistent with my records, in violation of FCRA 1681c ( a ), which prohibits reporting delinquencies older than XXXX  years from the original date. Narrative code XXXX ( XXXX  days past due ) conflicts with the charge-off status if the account was closed without resolution. This information is unverifiable and should be deleted if not confirmed within XXXX XXXXFurnisher : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX. \n\n* Department of Education Account ( XXXX ) Reported Details : Status : Over XXXX  Days Past Due ; Amount Past Due : {$190.00} ; Scheduled Payment : {$38.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : The status is inaccurate due to conflicting narrative codes. Code XXXX indicates \" XXXX XXXX deferred, '' yet it is reported as past due, violating FCRA 1681s-2 ( a ) ( 1 ) for inaccurate reporting. Codes XXXX and XXXX suggest prior disputes resolved by the furnisher, but the current delinquency does not reflect this resolution, breaching FCRA 1681s-2 ( a ) ( 3 ) for failure to note resolved disputes. Code XXXX marks it as \" previously in disputenow resolved, '' making the ongoing past due status incomplete and unverifiable. Federal student loans in deferment should not show delinquencies ; this error must be corrected or deleted if not verified within XXXX  days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\n* Department of Education Account ( XXXX ) Reported Details : Status : Over XXXX  Days Past Due ; Amount Past Due : {$350.00} ; Scheduled Payment : {$70.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : Identical issues as Account XXXX XXXX. The deferred status ( code XXXX ) conflicts with the past due reporting, violating FCRA 1681s-2 ( a ) ( XXXX ). Resolved dispute markers ( XXXX, XXXX, XXXX ) are not reflected in the current status, per FCRA 1681s-2 ( a ) ( 3 ). This appears to be a systemic reporting error for student loans ; delete if unverifiable within 30 days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\nXXXX  Department of Education Account ( XXXX ) Reported Details : Status : Over 120 Days Past Due ; Amount Past Due : {$32.00} ; Scheduled Payment : {$6.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : Same violations as above. Deferment code XXXX invalidates the delinquency reporting under FCRA 1681s-2 ( a ) ( 1 ). Unresolved dispute indicators ( XXXX, XXXX, XXXX ) require update or deletion per FCRA 1681s-2 ( a ) ( 3 ). Remove if not verified within 30 days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\n\nThese inaccuracies are harming my credit score and ability to obtain credit. Please provide me with the results of your investigation, including descriptions of the procedures used, in writing within XXXX  days of completion, as required by FCRA 1681i ( a ) ( 6 ). If any items are deleted, send an updated credit report to me and all parties who have inquired about my credit in the past XXXX  months ( or XXXX  years for employment purposes ). \nFailure to comply may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under FCRA 1681n, including statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees. \nThank you for your prompt attention. I look forward to your response. \nSincerely, XXXX XXXX Enclosures : Copy of Equifax Credit Report ( excerpts ) Copy of Identification ( Driver 's License or Utility Bill ) Any relevant payment records or deferment confirmations ( attach if available ) cc : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-10T00:22:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90631","tags":null,"has_narrative":true,"complaint_id":"17904182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-10T00:12:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Furnisher : <em>Department</em> of <em>Education</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>. \n\n* <em>Department</em> of <em>Education</em> Account ( <em>XXXX</em> ) Reported Details : Status : Over <em>XXXX</em>  Days Past Due ; Amount Past Due : {$350.00} ; Scheduled Payment : {$70.00} ; Date of <em>XXXX</em> Delinquency : XX/XX/<em>XXXX</em> ; <em>Narrative</em> Codes : <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em>. \nGrounds for Dispute : Identical issues as Account <em>XXXX</em> <em>XXXX</em>. The deferred status ( code <em>XXXX</em> ) conflicts with the past due reporting, violating FCRA 1681s-2 ( a ) ( <em>XXXX</em> )."]},"sort":[20.16492,"17904182"]},{"_index":"complaint-public-v1","_id":"18283218","_score":19.544975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative I am submitting this complaint regarding inaccurate and inconsistent credit reporting related to multiple tradelines furnished by XXXX XXXX Department of Education and reported by XXXX, Equifax, and XXXX. \n\nI have identified ten separate tradelines ( listed in the attached table labeled Document 7 ) that contain materially inconsistent and unverifiable information across the credit bureaus. These inconsistencies include : different account numbers for the same alleged obligations conflicting opened dates conflicting reported dates missing or contradictory last payment information inconsistent creditor name and phone number listings Because the same accounts appear with materially different data depending on the bureau, the information can not be verified as accurate. \n\nI have attached a table summarizing each tradeline and the discrepancies observed, along with supporting credit report excerpts. These inconsistencies demonstrate failures to maintain accurate reporting and failures to correct inaccurate information after notice. \n\nI am requesting that the CFPB review this matter and require correction or deletion of the inaccurately reported tradelines, and ensure that the furnishers and consumer reporting agencies comply with their obligations under the Fair Credit Reporting Act.","date_sent_to_company":"2025-12-25T18:15:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85392","tags":null,"has_narrative":true,"complaint_id":"18283218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-25T18:15:22.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am submitting this <em>complaint</em> regarding inaccurate and inconsistent credit reporting related to multiple tradelines furnished by <em>XXXX</em> <em>XXXX</em> <em>Department</em> of <em>Education</em> and reported by <em>XXXX</em>, Equifax, and <em>XXXX</em>. \n\nI have identified ten separate tradelines ( listed in the attached table labeled Document 7 ) that contain materially inconsistent and unverifiable information across the credit bureaus."]},"sort":[19.544975,"18283218"]},{"_index":"complaint-public-v1","_id":"18283217","_score":19.520508,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative I am submitting this complaint regarding inaccurate and inconsistent credit reporting related to multiple tradelines furnished by XXXX XXXX Department of Education and reported by XXXX XXXX and TransUnion. \n\nI have identified ten separate tradelines ( listed in the attached table labeled Document XXXX ) that contain materially inconsistent and unverifiable information across the credit bureaus. These inconsistencies include : different account numbers for the same alleged obligations conflicting opened dates conflicting reported dates missing or contradictory last payment information inconsistent creditor name and phone number listings Because the same accounts appear with materially different data depending on the bureau, the information can not be verified as accurate. \n\nI have attached a table summarizing each tradeline and the discrepancies observed, along with supporting credit report excerpts. These inconsistencies demonstrate failures to maintain accurate reporting and failures to correct inaccurate information after notice. \n\nI am requesting that the CFPB review this matter and require correction or deletion of the inaccurately reported tradelines, and ensure that the furnishers and consumer reporting agencies comply with their obligations under the Fair Credit Reporting Act.","date_sent_to_company":"2025-12-25T18:15:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85392","tags":null,"has_narrative":true,"complaint_id":"18283217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-25T18:15:22.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am submitting this <em>complaint</em> regarding inaccurate and inconsistent credit reporting related to multiple tradelines furnished by <em>XXXX</em> <em>XXXX</em> <em>Department</em> of <em>Education</em> and reported by <em>XXXX</em> <em>XXXX</em> and TransUnion. \n\nI have identified ten separate tradelines ( listed in the attached table labeled Document <em>XXXX</em> ) that contain materially inconsistent and unverifiable information across the credit bureaus."]},"sort":[19.520508,"18283217"]},{"_index":"complaint-public-v1","_id":"18258371","_score":19.453894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative FCRA 611 CISIVE is a consumer reporting agency that conducted a background check for a position I was offered with XXXX XXXX. Since early XXXX, CISIVE has failed to accurately verify my employment and education and issued an adverse report containing misleading information. \n\nCISIVE did not notify me of any verification issues and instead reported that one of my prior employments in the XXXX  industry could not be verified, despite this employment being publicly verifiable through readily available sources. \n\nCISIVE also reported my High School / GED education as adverse after having already verified my university education. Enrollment in a university requires completion of high school or a GED, making this adverse determination illogical and inaccurate. \n\nXXXX XXXX provided me with three ( 3 ) days to submit supporting documentation, which I provided on XX/XX/year>. CISIVE is in possession of my original credit transcript and forwarded documentation from a verified contact within the Department of Education. Despite receiving this information, CISIVE has failed to correct or update the adverse report. \n\nUnder the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation and promptly correct or delete inaccurate or unverifiable information. CISIVE has failed to comply with these statutory obligations despite multiple written and verbal requests ( approximately ten emails and multiple phone calls ). \n\nThere is also a documented pattern of similar complaints against CISIVE on public consumer forums, including XXXX, where individuals report that CISIVE frequently claims educational credentials can not be verified. \n\nI am requesting that the CFPB require CISIVE to immediately reinvestigate my file, correct or remove the inaccurate adverse findings, and issue a corrected report to XXXX XXXX without delay.","date_sent_to_company":"2025-12-23T21:09:01.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"43220","tags":null,"has_narrative":true,"complaint_id":"18258371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARCO Group, Inc.","date_received":"2025-12-23T20:47:08.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> FCRA 611 CISIVE is a consumer reporting agency that conducted a background check for a position I was offered with <em>XXXX</em> <em>XXXX</em>. Since early <em>XXXX</em>, CISIVE has failed to accurately verify my employment and <em>education</em> and issued an adverse report containing misleading information."]},"sort":[19.453894,"18258371"]},{"_index":"complaint-public-v1","_id":"15645805","_score":18.470682,"_source":{"product":"Student loan","complaint_what_happened":"CFPB Complaint : Aidvantage/Dept . of Education FCRA, XXXX XXXX, Identity Theft, Survivor Rights, and Process Failures Previous CFPB complaint # : XXXX Narrative I am a documented survivor of human trafficking and a victim of identity theft through the 2017 XXXX  data breach ( named class member ). My information has been used to fraudulently open multiple education loan accounts serviced by Aidvantage/Dept . of Education, which have appeared on my credit reports. I have never applied for, benefited from, or authorized these loans. \n\nDespite submitting all required documentation FTC Identity Theft Affidavit, police report, certified human trafficking victim determination Aidvantage has failed to properly discharge or block these accounts. \n\nMy payment summaries for these accounts show clear, willful violations of federal law and XXXX XXXX industry standards : ND ( no data ) codes for most months, then a sudden jump to 90 days late, 120, and 150, with no prior 30- or 60-day late history. \n\nNon-sequential delinquency and incomplete payment data Mathematically impossible balances and 0 % paid off coding Failure to provide proper debt validation or original contracts These practices violate federal statutes : FCRA 605B : Requires blocking/deletion after identity theft notice and documentation.\n\nFCRA 605C : Requires blocking/deletion for certified human trafficking survivors.\n\nFCRA 607 ( b ) : Mandates maximum possible accuracy ; non-sequential lates and ND reporting are willfully false.\n\nFCRA 611 : Requires reasonable reinvestigation and method of verification. \n\nXXXX XXXX standard : Mandates proper and consecutive payment history coding, which is not being followed. \n\nFailed Attempts to Resolve I completed detailed complaints with all supporting evidence through the Department of Education Feedback Center and Ombudsman portals, but both systems were/are unavailable due to federal outages.\n\nI am attaching screenshots of the error pages, my completed complaint, and evidence of good-faith effort to resolve the issue internally. \n\nMy previous CFPB complaint ( # XXXX ) did not produce relief, instruction, or correction. Aidvantage failed to provide their fraud packet, clear direction, or substantive communication. \n\nOngoing Harm Loss of more than XXXX points on my credit score Denial of a {$480000.00} mortgage and repeated housing opportunities Extreme economic and emotional hardship","date_sent_to_company":"2025-09-04T13:21:35.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"30005","tags":null,"has_narrative":true,"complaint_id":"15645805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-09-01T15:06:06.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> : Aidvantage/Dept . of <em>Education</em> FCRA, <em>XXXX</em> <em>XXXX</em>, Identity Theft, Survivor Rights, and Process Failures Previous CFPB <em>complaint</em> # : <em>XXXX</em> <em>Narrative</em> I am a documented survivor of human trafficking and a victim of identity theft through the 2017 <em>XXXX</em>  data breach ( named class member ). My information has been used to fraudulently open multiple <em>education</em> loan accounts serviced by Aidvantage/Dept . of <em>Education</em>, which have appeared on my credit reports."]},"sort":[18.470682,"15645805"]},{"_index":"complaint-public-v1","_id":"15249256","_score":18.216972,"_source":{"product":"Student loan","complaint_what_happened":"Company Name : MOHELA Missouri Higher Education Loan Authority Product : Federal Student Loan Servicing Issue : Failure to process and release borrower refund in accordance with federal servicing standards Complaint Narrative : I am owed a refund in the amount of {$13000.00} from MOHELA. On XXXX XXXX XXXX, MOHELA confirmed that this refund was due to me. However, as of todays date, the refund has not been issued. \n\nI contacted the U.S. Department of the Treasury Bureau of the Fiscal Service, who confirmed they have no record of this refund from MOHELA. Treasury can not process or issue the check because MOHELA has not released or approved the payment. \n\nI have made multiple attempts to obtain a definitive release date from MOHELA, but I have received inconsistent and contradictory responses. The delay now spans well beyond what is reasonable or permissible under federal student loan servicing requirements, including but not limited to : 20 U.S.C. 1082 Duties of the Secretary and agents in loan administration 34 C.F.R. 682.208 Timely refund processing obligations for loan servicers 34 C.F.R. 685.202 Servicer duties for Direct Loans, including prompt overpayment refunds MOHELA is a Department of Education contractor and is obligated to handle refunds promptly and respond accurately to borrower inquiries. This delay constitutes a failure to perform in accordance with federal servicing standards.\n\nResolution Requested : I am requesting that MOHELA : 1. Provide a specific date and time frame for when the refund will be released to the U.S. Treasury for disbursement.\n\n2. Provide written confirmation when the release occurs.\n\n3. Explain the cause of the extended delay in processing this refund.\n\nIf this issue is not resolved promptly, I will escalate to my state Attorney General and congressional representatives for further review. \n\nAmount in Dispute : {$13000.00}","date_sent_to_company":"2025-08-13T01:38:44.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"21015","tags":null,"has_narrative":true,"complaint_id":"15249256","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-08-13T01:24:48.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Company Name : MOHELA Missouri Higher <em>Education</em> Loan Authority Product : Federal Student Loan Servicing Issue : Failure to process and release borrower refund in accordance with federal servicing standards <em>Complaint</em> <em>Narrative</em> : I am owed a refund in the amount of {$13000.00} from MOHELA. On <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, MOHELA confirmed that this refund was due to me. However, as of todays date, the refund has not been issued. \n\nI contacted the U.S."]},"sort":[18.216972,"15249256"]},{"_index":"complaint-public-v1","_id":"15628278","_score":17.999113,"_source":{"product":"Student loan","complaint_what_happened":"Complaint Narrative : I am filing this complaint against my federal loan servicer ( MOHELA ). \n\nMy federal student loans originated in XXXX, and I have made approximately XXXX payments since that time. However, my servicers records reflect only XXXX payments, and they have informed me that they only have information dating back to XXXX. This is a material error and directly affects my eligibility for loan forgiveness. \n\nI am enrolled in an Income-Driven Repayment ( IDR ) plan. However, my account still shows a payment due of {$96.00}, despite my IDR application being under review. This contradicts Department of Education guidance, which states that borrowers with pending IDR adjustments should not be penalized with current payment demands. \n\nMy account also reflects participation in both Public Service Loan Forgiveness ( PSLF ) and the SAVE program, yet : * No qualifying PSLF months have been credited to my account. \n* My SAVE program payments and months have not been properly counted. \n* My full loan history from XXXX is missing, preventing me from verifying accurate application of payments. \n\nI have called MOHELA multiple times and specifically requested my full account information, but they have not been able to provide it. I have not received a written response, an email, or any documentation showing my complete loan history despite my repeated requests. \n\nRequested Resolution : XXXX. A complete and certified payment history from XXXX to present, including records from all prior servicers. \nXXXX. A reconciliation of qualifying payments toward PSLF and IDR forgiveness, with a corrected qualifying month count. \nXXXX. An accurate determination of forgiveness eligibility, given nearly 30 years of repayment. \nXXXX. Relief from further payment demands until my account is corrected. \n\nThis lack of transparency, failure to communicate, and inability to provide required documentation constitute a violation of my rights as a borrower. I am requesting CFPB assistance to require MOHELA and the Department of Education to provide a full accounting and immediate correction of my loan records.","date_sent_to_company":"2025-08-31T20:24:20.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"32216","tags":null,"has_narrative":true,"complaint_id":"15628278","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-08-31T20:09:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> against my federal loan servicer ( MOHELA ). \n\nMy federal student loans originated in <em>XXXX</em>, and I have made approximately <em>XXXX</em> payments since that time. However, my servicers records reflect only <em>XXXX</em> payments, and they have informed me that they only have information dating back to <em>XXXX</em>. This is a material error and directly affects my eligibility for loan forgiveness. \n\nI am enrolled in an Income-Driven Repayment ( IDR ) plan."]},"sort":[17.999113,"15628278"]},{"_index":"complaint-public-v1","_id":"18841171","_score":17.987762,"_source":{"product":"Student loan","complaint_what_happened":"Client : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Product : Federal Student Loan Company : U.S. Department of Education / Default Resolution Group ( and any listed servicer furnishing data ) ________________________________________ CFPB FORM SELECTIONS Product : Student loan Issue : Incorrect information on credit report Sub-issue : Information reported is inaccurate or can not be verified Desired Resolution : Correction or deletion of credit reporting ________________________________________ COMPLAINT NARRATIVE ( USE EXACTLY ) I am submitting this complaint regarding the continued furnishing of inaccurate and unverifiable credit reporting information related to a federal student loan attributed to me and reported by the U.S. Department of Education and/or its agents, including the Default Resolution Group and associated servicers . \nThis student loan is being reported in default status on my consumer credit reports. However, neither the credit reporting agencies nor the furnisher have been able to provide the documentation required under the Fair Credit Reporting Act ( FCRA ) to lawfully verify this tradeline. \nSpecifically, the reporting entities have failed to produce : A copy of the original signed Master Promissory Note Documentation establishing the accurate Date of First Delinquency ( DOFD ) Proof of the furnishers authority to report this account A complete and accurate payment history supporting the reported default status The only documentation provided consists of administrative billing invoices and collection notices. These documents do not constitute verification under FCRA 609 or 611 and are insufficient to substantiate the accuracy of credit reporting.\n\nDespite formal disputes submitted to the credit reporting agencies, the tradeline has been verified without disclosure of the method of verification or the underlying source documents relied upon. Verification based on administrative notices alone violates the furnishers duties under FCRA 623 and the credit reporting agencies obligations under FCRA 607 ( b ) and 611 ( a ). \nContinued reporting of this student loan without lawful verification is causing ongoing harm to my credit profile and constitutes noncompliance with federal consumer protection law.","date_sent_to_company":"2026-01-19T21:58:51.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"94541","tags":null,"has_narrative":true,"complaint_id":"18841171","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2026-01-19T21:36:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["<em>Department</em> of <em>Education</em> / Default Resolution Group ( and any listed servicer furnishing data ) ________________________________________ CFPB FORM SELECTIONS Product : Student loan Issue : Incorrect information on credit report Sub-issue : Information reported is inaccurate or can not be verified Desired Resolution : Correction or deletion of credit reporting ________________________________________ <em>COMPLAINT</em> <em>NARRATIVE</em> ( USE EXACTLY ) I am submitting this <em>complaint</em> regarding the continued furnishing"]},"sort":[17.987762,"18841171"]},{"_index":"complaint-public-v1","_id":"19919173","_score":17.370266,"_source":{"product":"Student loan","complaint_what_happened":"Issue : Incorrect PSLF payment count after consolidation / failure to apply IDR account adjustment Complaint Narrative : I am submitting this complaint regarding an incorrect reduction in my Public Service Loan Forgiveness ( PSLF ) qualifying payment count following a loan consolidation completed on XX/XX/year>. \n\nAs of XX/XX/year>, prior to consolidation, I had XXXX qualifying PSLF payments on XXXX XXXX totaling {$150000.00} and 53 qualifying payments on Parent PLUS Loans totaling {$45000.00}. I have maintained continuous qualifying public service employment and have consistently certified my employment. \n\nBefore consolidating, I relied on official Department of Education guidance and direct communication with MOHELA and Federal Student Aid representatives. I was advised that consolidating my loans prior to the deadline would not reduce my qualifying PSLF payment count, would allow my loans to receive the highest qualifying payment count, and would include a one-time IDR account adjustment. Based on this guidance, I consolidated my loans on XX/XX/year>. \n\nAfter consolidation, my PSLF qualifying payment count decreased significantly, the one-time IDR account adjustment was not applied, and my progress toward forgiveness was disrupted, despite being nine payments away from completion. The Department of Education guidance in effect at the time stated that borrowers would receive credit for prior time in repayment, including time prior to consolidation, and that the adjustment would count toward PSLF. Had I not relied on this guidance, I would not have consolidated my loans and would have remained on track for PSLF forgiveness. \n\nAdditionally, the response to Congressman provided by the MOHELA Ombudsman relied on standard post-deadline consolidation rules ( weighted average ), which do not apply to my situation, as my consolidation occurred prior to the IDR adjustment deadline. \n\nI have submitted multiple feedback and reconsideration requests, many of which remain unanswered or pending review for over a year, and Congressional follow-ups have not resolved the issue. I have made repeated attempts to resolve this issue since XX/XX/year>, including multiple feedback cases and PSLF reconsideration requests.","date_sent_to_company":"2026-03-19T12:23:49.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"78634","tags":"Servicemember","has_narrative":true,"complaint_id":"19919173","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2026-03-03T04:35:37.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Issue : Incorrect PSLF payment count after consolidation / failure to apply IDR account adjustment <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> regarding an incorrect reduction in my Public Service Loan Forgiveness ( PSLF ) qualifying payment count following a loan consolidation completed on XX/XX/year>. \n\nAs of XX/XX/year>, prior to consolidation, I had <em>XXXX</em> qualifying PSLF payments on <em>XXXX</em> <em>XXXX</em> totaling {$150000.00} and 53 qualifying payments on Parent PLUS Loans totaling {$45000.00}."]},"sort":[17.370266,"19919173"]},{"_index":"complaint-public-v1","_id":"18326371","_score":16.898792,"_source":{"product":"Student loan","complaint_what_happened":"Product : Student Loan Company : Nelnet Issue Type : Incorrect information on credit report / Billing & payment errors Consumer Role : Borrower Complaint Narrative My federal student loans serviced by Nelnet were forgiven in full effective XX/XX/XXXX under the U.S. Department of Educations Income-Driven Repayment ( IDR ) account adjustment, as confirmed in writing by Nelnet.\n\nDespite this documented forgiveness : Nelnet is reporting a past-due balance of {$1600.00} on my credit report No loans are marked Paid in Full, Closed, or Discharged Nelnet has failed to clearly identify which specific loans were forgiven Accrued interest appears to have been improperly retained and reported after forgiveness For context : My original total balance was approximately {$42000.00} In XX/XX/XXXX, the balance dropped to approximately {$30000.00} Nelnets forgiveness notice reflects approximately {$14000.00} forgiven The remaining reported past-due amount does not reconcile with the forgiveness determination Nelnets written notice states that my loans were forgiven in full and that they have notified or will notify all national credit bureaus. Continued reporting of a past-due balance after the effective forgiveness date is factually inaccurate and is causing ongoing credit harm.\n\nI have formally disputed this matter with Nelnet and the credit bureaus and provided documentation of forgiveness. Nelnet has not corrected the account or provided a loan-level reconciliation.","date_sent_to_company":"2025-12-28T09:45:27.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"07631","tags":null,"has_narrative":true,"complaint_id":"18326371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-12-28T09:34:33.000Z","state":"NJ","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Product : Student Loan Company : Nelnet Issue Type : Incorrect information on credit report / Billing & payment errors Consumer Role : Borrower <em>Complaint</em> <em>Narrative</em> My federal student loans serviced by Nelnet were forgiven in full effective XX/XX/<em>XXXX</em> under the U.S. <em>Department</em> of <em>Educations</em> Income-Driven Repayment ( IDR ) account adjustment, as confirmed in writing by Nelnet."]},"sort":[16.898792,"18326371"]},{"_index":"complaint-public-v1","_id":"14547247","_score":16.749964,"_source":{"product":"Student loan","complaint_what_happened":"I am filing a complaint against XXXX regarding their denial of my School Misconduct Discharge application for XXXX private student loans I incurred while attending the Illinois XXXX XXXX XXXX XXXX between XXXX and XXXX. The school engaged in documented misconduct, including misleading students about job placement rates, accreditation status, and career outcomes in my field of study, XXXX XXXX XXXX XXXX. \n\nAs a result of these misrepresentations : I incurred XXXX private student loans through XXXX for a degree that has been rendered effectively worthless. \n\nI was unable to secure employment within my field after graduation, and was forced to accept work outside my field simply to begin repaying these loans. \n\nThe school later lost accreditation, closed, and its parent company faced lawsuits and regulatory action for these deceptive practices. \n\nThe XXXX Department of Education has already acknowledged this misconduct in my federal loan case. On XX/XX/XXXX, I received a formal XXXX XXXX to Repayment discharge for my federal student loans tied to this same misconduct. Despite this clear recognition of harm, XXXX has repeatedly denied my discharge application for the private loans, claiming insufficient evidence even after providing my XXXX XXXX approval letter and a detailed harm narrative. \n\nWhat would you like XXXX to do to resolve your issue? \n\nI am requesting that Navient/Mohela immediately XXXX Reevaluate my School Misconduct Discharge application in light of the federal Borrower Defense XXXX XXXX and the extensive harm I have documented. \n\nDischarge my XXXX private student loans associated with the XXXX XXXX XXXX XXXX XXXX. \n\nWhy is this important? \n\nThe same misconduct that led to my federal loan discharge should apply equally to the private student loans incurred for the same fraudulent education. Denying discharge in the face of acknowledged harm by a federal agency is both unreasonable and harmful to consumers like me. \n\nLoan Numbers : XXXX Signature XXXX & XXXX Signature Student","date_sent_to_company":"2025-07-09T15:47:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Private student loan","zip_code":"60133","tags":null,"has_narrative":true,"complaint_id":"14547247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-07-09T15:35:13.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The <em>XXXX</em> <em>Department</em> of <em>Education</em> has already acknowledged this misconduct in my federal loan case. On XX/XX/<em>XXXX</em>, I received a formal <em>XXXX</em> <em>XXXX</em> to Repayment discharge for my federal student loans tied to this same misconduct. Despite this clear recognition of harm, <em>XXXX</em> has repeatedly denied my discharge application for the private loans, claiming insufficient evidence even after providing my <em>XXXX</em> <em>XXXX</em> approval letter and a detailed harm <em>narrative</em>."]},"sort":[16.749964,"14547247"]},{"_index":"complaint-public-v1","_id":"21454241","_score":16.446846,"_source":{"product":"Student loan","complaint_what_happened":"Complaint Narrative XXXX XXXX XXXX Refund NonCompliance & Contradictory Federal Records I am filing a complaint regarding the failure of American Education Services ( AES ) and the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to process my XXXX XXXX XXXX refund by the federally mandated deadline of XX/XX/XXXX, as well as the contradictory and inconsistent statements provided by AES, PHEAA, the U.S. Department of Education ( DOE ), and XXXX  regarding my loan type, payment history, and refund eligibility.\n\nDespite a Borrower Defense approval issued by the Department of Education on XX/XX/XXXX, AES confirmed on XX/XX/XXXX that my XXXX XXXX XXXX refund was not processed by the required deadline. Multiple agencies have since provided conflicting information, creating a circular loop with no resolution and preventing me from receiving the refund I am legally entitled to under the settlement.\n\nI. Background Borrower Defense Approval On XX/XX/XXXX, the U.S. Department of Education approved my Borrower Defense application under the XXXX XXXX XXXX settlement. \nApproval under XXXX requires : Discharge of qualifying loans Refund of all qualifying payments Refund issuance no later than XX/XX/XXXX No agency disputes that my claim was approved.\n\nII. XXXX  & XXXX  Contradictions No Federal Loan Records Found On XX/XX/XXXX, I received a XXXX  response ( Case XXXX ) from the Department of Education. \nXXXX  XXXX XXXX XXXX reported : No federal loan records exist for me in XXXX. \n\nDOE instructed me to contact PHEAA for records.\n\nThis directly contradicts : DOEs Borrower Defense approval letter ( which presumes federal loans ) AES/PHEAAs repeated statements that my loans are federal student loans eligible for discharge This discrepancy indicates a failure in federal recordkeeping and servicer reporting that materially affects my refund rights.\n\nIII. DOE Federal Student Aid No Assistance Provided On XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX ( Case # XXXX ). \nDOE again referred me back to PHEAA and provided no clarification regarding : Missing XXXX records Refund status Loan classification inconsistencies This created a circular referral loop with no resolution. \n\nIV. AES/PHEAA Contradictory Statements On XX/XX/XXXX, AES Ombudsman Group representative XXXX stated : Loans are Federal Student Loans eligible for discharge.\n\nAES has records of payments made to AES.\n\nPayments made after XXXX approval would be refundable.\n\nAES is not a servicer for DOE.\n\nRefund eligibility must be confirmed by DOE.\n\nThese statements contradict : XXXX findings of no federal records DOEs Borrower Defense approval AESs own statements that no refund is owed AES and PHEAA repeatedly redirected me to each other and to DOE without providing the required refund determination.\n\nV. Refund Compliance Call AES Confirmation of Missed Deadline On XX/XX/XXXX, during a documented call between XXXX XXXX, AES representative XXXX ( Rep ID XXXX ) confirmed : The XXXX XXXX XXXX refund was not processed No refund date exists No processing information exists The refund deadline was missed This is a direct violation of the XXXX XXXX XXXX settlement, which required all refunds to be issued by XX/XX/XXXX. \n\nVI. Circular Referrals & Failure to Provide Required Information Across multiple contacts with AES, PHEAA, DOE, and XXXX, I received : Contradictory statements about loan type Contradictory statements about payment history No refund date No refund determination No explanation for missing XXXX records No identification of qualifying payments No corrective action Each agency referred me to another, creating a closed loop with no resolution.\n\nVII. Summary of Violations The following compliance failures have occurred : Missed federal refund deadline ( confirmed by AES ).\n\nContradictory loan classification between DOE, XXXX, XXXX, AES, and PHEAA. \n\nFailure to identify qualifying payments, as required under XXXX. \n\nFailure to provide refund processing information. \n\nFailure to maintain accurate federal loan records. \n\nCircular referrals preventing resolution. \n\nFailure to comply with the XXXXXXXX XXXX XXXXXXXX settlement terms.\n\nVIII. Requested Resolution I am requesting : Immediate confirmation of refund eligibility based on my Borrower Defense approval.\n\nIdentification of all qualifying payments owed under the XXXX settlement.\n\nIssuance of the full refund, including all payments made to AES/PHEAA .\n\nWritten explanation for : Why the refund was not processed by the XX/XX/XXXX deadline Why XXXX  and XXXX show no federal loan records Why AES/PHEAA provided contradictory statements Corrective action to ensure compliance with the XXXX XXXX XXXX settlement .","date_sent_to_company":"2026-04-21T19:55:09.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"28326","tags":null,"has_narrative":true,"complaint_id":"21454241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2026-04-21T19:48:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Refund NonCompliance & Contradictory Federal Records I am filing a <em>complaint</em> regarding the failure of American <em>Education</em> Services ( AES ) and the Pennsylvania Higher <em>Education</em> Assistance Agency ( PHEAA ) to process my <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> refund by the federally mandated deadline of XX/XX/<em>XXXX</em>, as well as the contradictory and inconsistent statements provided by AES, PHEAA, the U.S."]},"sort":[16.446846,"21454241"]},{"_index":"complaint-public-v1","_id":"17259011","_score":16.34273,"_source":{"product":"Student loan","complaint_what_happened":"My apologies! You are absolutely right. The context is fresh, and I should have recalled the instructions immediately.You need a draft for the formal complaint that you will submit to the XXXX Ombudsman XXXX and the Consumer Financial Protection Bureau ( CFPB ). This is not a letter to MOHELA, but a formal submission to federal oversight agencies.The template below is designed to be copied and pasted into the online complaint forms for the FSA Ombudsman ( via StudentAid.gov/feedback ) and the CFPB ( via consumerfinance.gov/complaint ), as these systems often limit formatting but require a clear, factual narrative. Formal Complaint Narrative for XXXX XXXX XXXX text summarizes your issue and provides the crucial details required by federal regulators. You will submit this to both the FSA Ombudsman and the XXXX Servicer : MOHELAYour Account Number : [ Your MOHELA Account Number - e.g., XXXX ] Desired Resolution : Immediate enrollment in XXXX ( Income-Based Repayment ) with an effective date of XX/XX/2025, and confirmation that all months spent in administrative forbearance since that date will be retroactively counted toward XXXX XXXX Details : Failure to Process XXXX Enrollment Under New LawDate of Initial Request : XX/XX/2025 ( Submitted via Secure Message and Fax ) Servicer 's Deadline : Approx. XX/XX/2025 ( Based on XXXX automated response ) Full Narrative : I am filing this complaint because my loan servicer, MOHELA, has failed to process my enrollment into the Income-Based Repayment ( IBR ) plan, despite receiving my formal application over 90 days ago. I am currently in an Administrative Forbearance that is preventing me from earning credit toward my XXXX IDR forgiveness.Legal Eligibility & Servicer Failure : On XX/XX/2025, I submitted an IBR enrollment XXXX via both MOHELA 's XXXX Message portal and Fax. This request explicitly cited the XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ), which became effective on XX/XX/2025, and removes the Partial Financial Hardship ( PFH ) requirement for existing borrowers to enroll in XXXX. My submission also referenced the Department of Education 's own guidance, Dear Colleague Letter ( DCL ) XXXX ( dated XX/XX/2025 ) .Processing Delay : I received an automated response from MOHELA indicating XXXX XXXX processing window for my request. This window expired around XX/XX/2025. On [ Today 's Date : XX/XX/2025 ], I received another notice confirming that my application is still processing. This is a failure to meet the servicer 's own stated deadline.Harm to Borrower : This delay is financially harmful because : Lost Forgiveness Credit : The time I have spent in this extended Administrative Forbearance ( since XX/XX/2025 ) does not count toward my required XXXX payments for XXXX forgiveness.Overpayment of Interest : While in forbearance, I have been making voluntary payments of approximately {$1300.00} per month to cover accruing interest and some principal. I am currently willing to pay the higher, capped XXXX payment ( estimated at $ XXXX {$1600.00} $ ) but am unable to do so formally to resume my forgiveness count.","date_sent_to_company":"2025-11-14T13:43:05.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"81504","tags":null,"has_narrative":true,"complaint_id":"17259011","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-11-14T13:38:07.000Z","state":"CO","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["This is not a letter to MOHELA, but a formal submission to federal oversight agencies.The template below is designed to be copied and pasted into the online <em>complaint</em> forms for the FSA Ombudsman ( via StudentAid.gov/feedback ) and the CFPB ( via consumerfinance.gov/<em>complaint</em> ), as these systems often limit formatting but require a clear, factual <em>narrative</em>. Formal <em>Complaint</em> <em>Narrative</em> for <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> text summarizes your issue and provides the crucial details required by federal regulators."]},"sort":[16.34273,"17259011"]},{"_index":"complaint-public-v1","_id":"18482575","_score":13.204302,"_source":{"product":"Student loan","complaint_what_happened":"ACCOUNT INFORMATION Loan Numbers : XXXX and XXXX Original Principal : {$55000.00} ( XXXX loans : {$25000.00} disbursed XX/XX/XXXX ; {$30000.00} disbursed XX/XX/XXXX ) Current Balance : Approximately {$100000.00} Interest Rate : 14.875 % Total Paid to Date : {$62000.00} ( of which {$53000.00} was interest 87 % ) School : XXXX XXXX XXXX XXXX XXXX XXXX  CA Enrollment Period : XX/XX/XXXX ( while on XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COMPLAINT NARRATIVE We are filing this complaint regarding Navient 's repeated arbitrary denials of this School Misconduct Discharge application for XXXX private student loans totaling {$55000.00} ( now approximately {$100000.00} due to 14.875 % interest and forbearance steering in XXXX ). \n\nPATTERN OF ARBITRARY DENIALS We have submitted School Misconduct Discharge applications THREE times. Each time, Navient has denied the claim using boilerplate denial codes without providing individualized analysis or addressing the specific evidence submitted. The most recent denial, dated XX/XX/XXXX, cited generic codes 2, 3, 4, 5, 6, and 7 ( \" insufficient evidence of misconduct, '' \" insufficient evidence of harm, '' \" can not establish connection, '' etc. ) without explaining how the detailed evidence failed to meet their criteria. \n\nFEDERAL PRECEDENT ALREADY VALIDATES THE FRAUD The XXXX Department of Education has already validated the XXXXXXXX XXXX XXXX XXXX XXXX  fraud by discharging these federal student loans under the XXXX XXXX XXXXXXXX class action settlement. The Department found that AAU engaged in \" widespread and pervasive substantial misrepresentations '' regarding : Employment rates and job placement Salary expectations for graduates Quality of instruction and career services Transferability of credits These private loans were disbursed for the same enrollment period ( XXXX ), at the same school, based on the same fraudulent misrepresentations. The only difference is the lender. \n\nCFPB GUIDANCE REQUIRES INDIVIDUALIZED REVIEW The CFPB 's XX/XX/XXXX Supervisory Highlights ( Issue 36 ) specifically addresses private student loan servicers and school misconduct discharge programs. The guidance states that servicers must : Provide \" individualized and detailed '' denial reasons Give \" due deference '' to Department of Education findings and court determinations Implement a claims process that is \" not unduly burdensome '' Navient 's boilerplate denial codes violate each of these requirements. They did not address : XXXX XXXX XXXX XXXX federal discharge precedent The DOE 's XX/XX/XXXX finding of \" widespread and pervasive substantial misrepresentations '' by AAU The {$6.00} XXXX Art Institutes discharge affecting XXXX borrowers The XXXX XXXX opinion in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX documenting illegal incentive compensation schemes The {$60.00} XXXX Massachusetts XXXX settlement The {$57.00} XXXX XXXX XXXX settlement The XXXX AG XXXX XXXX XXXX federal whistleblower lawsuit that settled in XXXX California XXXX reports showing XXXX documented salary outcomes for photography graduates DOCUMENTED HARM Over 15 years, {$62000.00} has been paid on these loans. Of that amount : {$7900.00} went to principal {$53000.00} ( 87 % ) was consumed by interest Despite paying more than the original principal in total payments, the balance has nearly doubled. We have been on reduced interest payment plans for over 10 years in an effort to avoid default. \n\nAs a military veteran with XXXX special needs children requiring lifetime care, this debt has forced impossible choices between loan payments and therapies for the children. The psychological toll has been severe, including XXXX and suicidal ideation from the hopelessness of debt that grows faster than can be paid. \n\nACTIVE CLASS ACTION FOR THESE EXACT PRACTICES Navient is currently a defendant in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Illinois, Case No. XXXX, filed XX/XX/XXXX ), a class action lawsuit alleging that Navient \" routinely, arbitrarily, and in bad faith denies legitimate XXXX XXXX XXXX applications. '' The practices alleged in that lawsuit match exactly what Navient has done committed here. \n\nXXXX XXXX XXXX A XX/XX/XXXX investigation by XXXX XXXX XXXX found that Navient denies approximately 80 % of School Misconduct Discharge claims, often using \" opaque '' reasoning that prevents applicants from understanding why they were denied or how to appeal. \n\nWHAT IS BEING REQUESTED Investigation into Navient 's pattern of arbitrary denials of School Misconduct Discharge applications, particularly for borrowers whose federal loans have already been XXXX for the same school misconduct. \nEnforcement of the CFPB 's XX/XX/XXXX guidance requiring individualized review and due deference to DOE findings. \nResolution of this specific claim, including : Full discharge of both loans Refund of payments made ( {$62000.00} ) Removal of negative credit reporting SUPPORTING DOCUMENTATION We are attaching a XXXX resubmission package, which has been sent to XXXX ( XXXX current servicer ) which includes : Comprehensive Addendum responding to each denial code with hyperlinked government sources Original School Misconduct Discharge Application with detailed narrative Navient 's XX/XX/XXXX Denial Letter with boilerplate codes Additional sources cited in the documentation : DOE XXXX XXXX XXXX XXXX ( StudentAid.gov ) CFPB Supervisory Highlights Issue XXXX ( XX/XX/XXXX ) XXXX XXXX Navient XXXX action complaint XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX settlement Massachusetts AG settlement California BPPE Annual Reports","date_sent_to_company":"2026-01-13T19:00:48.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"22630","tags":"Servicemember","has_narrative":true,"complaint_id":"18482575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2026-01-05T22:57:42.000Z","state":"VA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["FEDERAL PRECEDENT ALREADY VALIDATES THE FRAUD The <em>XXXX</em> <em>Department</em> of <em>Education</em> has already validated the XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  fraud by discharging these federal student loans under the <em>XXXX</em> <em>XXXX</em> XXXXXXXX class action settlement."]},"sort":[13.204302,"18482575"]},{"_index":"complaint-public-v1","_id":"2466065","_score":12.392969,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted this claim prior but their response is still inaccurate . [  Case number :  XXXX  : YOUR COMPLAINT On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX  loans were only being applied to my  XXXX   XXXX . This has my  Direct Student  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved Hide full complaint What product or service is your complaint about?     PRODUCT OR SERVICE Student loan TYPE Federal student loan What type of problem are you having?       ISSUE Dealing with my lender or servicer HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?   No Additional information COLLEGE OR UNIVERSITY  XXXX   XXXX  NAME ON ACCOUNT  XXXX   XXXX   XXXX  DISPUTED COMPANY 'S RESPONSE?   No What happened?     On  XXXX , I was contacted by  XXXX  and found out that payments made to  XXXX   XXXX /Direct loans were only being applied to my  XXXX   XXXX . This has my  Direct Student  behind over 150 days behind despite paying almost double the minimum payment monthly for over 2 years. Being concerned about my credit report I agreed to forebearance to bring current. I have requested that i have written explanation of this and resolution so going forward so funds can be applied appropriately but seeing the articles I am concerned that this matter wont be resolved I want the CFPB to publish this description on  consumerfinance.gov so that others can learn from my experience.      The CFPB will take steps to remove my personal information from this description but someone   may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.\nWhat would be a fair resolution to this issue?\nHave the payment made to the separate account list on the payment forms, written letters to all   XXXX   credit agencies and correct the reports admitting to misappropriation of payments on their behalf with a letter for my own personal records What company is this complaint about?\nCOMPANY INFORMATION    XXXX   XXXX   Other  information about this company What people are involved?       YOUR CONTACT INFORMATION  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , New York  XXXX  United States Sent to company STATUS Sent to company on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.     Company responded STATUS Company responded Closed with explanation on  XXXX  RESPONSE TYPE Closed with explanation Company 's response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. ED-Navient currently services  two Direct Stafford Loans  on your behalf.  XXXX  currently services a  XXXX   XXXX   XXXX  on your behalf. Your Direct Loans and Consolidation Loan require separate payments to different addresses. Our records indicate that payments of {$35.00} have been received for your Navient serviced loan, which are insufficient to cover the full monthly payment amount. You can view your full payment history by logging into your account on Navient.com, selecting 'Account History ' from the menu, and selecting the time-period you wish to view. The monthly payment for your ED- XXXX  loans is {$41.00} and is next due approximately  XXXX   XXXX ,   XXXX  . The monthly payment for your  XXXX  loan is {$320.00}, and is next due approximately  XXXX   XXXX ,   XXXX  . We offer several options for making electronic payments free-of-charge. You  may submit a payment online at Navient.com by using your checking or savings account. You can also authorize the automatic deduction of funds from your bank account by enrolling in Auto Pay.  If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  XXXX  as the payee using your account number and  XXXX  's payment address. Please send payments for your ED- XXXX  loan to  XXXX  Department of Education Servicing,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX . Please send payments for your Navient serviced loan to  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . We 've conducted a thorough investigation stemming from your request that we review your credit report, which was completed. Based on the information available, our research has concluded that the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted. We have updated your credit report to reflect your disputed loan  ( s  ) as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each open loan you included in your dispute and will be included with our next update to the  Consumer Reporting  Agencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan number  ( s  ), and indicate that you wish to have the dispute narrative removed from your credit report. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy.  XXXX  can not remove accurate information previously reported. We have confirmed our credit reporting is accurate.","date_sent_to_company":"2017-04-25T18:09:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"2466065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-04-25T18:09:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["If you use e-billing through your bank or another third-party bill pay service, another payment option is to establish  <em>XXXX</em>  as the payee using your account number and  <em>XXXX</em>  's payment address. Please send payments for your ED- <em>XXXX</em>  loan to  <em>XXXX</em>  <em>Department</em> of <em>Education</em> Servicing,  <em>XXXX</em> .  <em>XXXX</em>   <em>XXXX</em> ,  <em>XXXX</em> , GA  <em>XXXX</em> . Please send payments for your Navient serviced loan to  <em>XXXX</em> ,  <em>XXXX</em> .  <em>XXXX</em>   <em>XXXX</em> ,  <em>XXXX</em> , PA  <em>XXXX</em> ."]},"sort":[12.392969,"2466065"]},{"_index":"complaint-public-v1","_id":"20537159","_score":10.964767,"_source":{"product":"Student loan","complaint_what_happened":"CFPB COMPLAINT COPY FOR YOUR XXXX Consumer Financial Protection Bureau consumertinance.gov/complaint Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX... \nHOW TO FILE : Go to consumerfinance.gov/complaint Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the narrative below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT NARRATIVE COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX for repeated mishandling of my XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge application, failure to protect my loans during an active XXXX review period, and improper credit reporting that has caused significant and ongoing financial harm. \nBACKGROUND I am a person with a XXXX XXXX XXXX XXXXXXXX ( XXXX - XXXX XXXX ). In XX/XX/XXXX, I submitted a valid TPD discharge application for my federal student loans. My physician, XXXX XXXX XXXX, completed the XXXX XXXX XXXX both electronically and with a manual signature. The XXXX system recorded the XXXX XXXX XXXX as completed on XX/XX/XXXX. I have documentation confirming both submissions. \nISSUE 1 : IMPROPER DENIAL AND MISHANDLING OF TPD APPLICATION Despite valid physician certification, my TPD application was denied on the basis that there was 'no physician signature ' which is factually incorrect and contradicted by the TPD system 's own records showing the signature was completed XX/XX/XXXX. This appears to be an XXXX XXXX X CFPB Complaint XXXXXXXX XXXX was completed XX/XX/XXXX. This appears to be an administrative error by the servicer or the federal processing system. I was subsequently required to submit a reconsideration request and am now under an active reconsideration period with a deadline of XX/XX/XXXX. \nISSUE 2 : FAILURE TO PROTECT LOANS DURING TPD REVIEW IMPROPER CREDIT REPORTING Under federal law and Department of Education guidelines, when a XXXX  application is under active review, the borrower 's loans must be placed in administrative forbearance. During this period, no negative balance increases, adverse status changes, or harmful credit reporting should occur. \nAidvantage has violated this protection. Every month since my TPD application was submitted in XX/XX/XXXX, XXXX ( pulling Equifax XXXX ) has alerted me that the monthly balance reported on my DEPT OF ED/ADVANTAGE account has increased. This has happened repeatedly and consistently, constituting a pattern of improper credit reporting during a legally protected forbearance period. \nThis improper reporting has caused my XXXX XXXX to drop from approximately XXXX to approximately XXXX - a loss of roughly XXXX points. This credit damage has directly harmed my ability to secure business financing for my company ( XXXX ), purchase a disability-accessible home, and maintain my overall financial stability. \nThe only legitimate credit activity on my report during this period is from XXXX XXXX ( XX/XX/XXXX ) and Georgia XXXX ( XX/XX/XXXX ). All other adverse reporting on this federal student loan account is improper and has occurred during a period in which I should have been fully protected. \nISSUE 3 : ADVANTAGE HAD NO RECORD OF MY XXXX  APPLICATION When I contacted Advantage directly, representatives initially stated they had no record of my TPD application. \nThis failure to maintain or access accurate records of an active federal XXXX discharge application is a serious servicing failure. Advantage subsequently opened an internal claim and escalated my case to their Customer Advocate Unit, and my loans were placed in forbearance but not before significant harm had already occurred. \nISSUE 4 : VERBAL ACKNOWLEDGMENT OF ERRORS BY FEDERAL STUDENT AID Representatives from Federal Student Aid ( FAFSA ) verbally acknowledged that mistakes were made in the handling of my case. Despite this acknowledgment, no corrective action has been taken to reverse the credit damage caused by these errors. \nHARM CAUSED As a direct result of Advantage 's mishandling of my TPD application and improper credit reporting, I have suffered the following specific harms : 1. Credit score decline of approximately XXXX points ( from XXXX to XXXX ) causing ongoing financial harm XXXX. Inability to secure business financing for XXXX, my housing and internship ecosystem for underserved students XXXX. Inability to purchase a disability-accessible home suitable for my medical needs 4. Ongoing monthly credit damage that continues to worsen 5. Emotional distress and financial instability caused by a process that should have been straightforward RELIEF REQUESTED I respectfully request that the CFPB : 1. Investigate Advantage 's handling of my TPD discharge application and XXXX XXXX XXXX XXXX XXXX. Require Advantage to immediately correct all inaccurate credit reporting to all three credit bureaus ( Equifax, Experian, TransUnion ) for the period XX/XX/XXXX to present XXXX. Require Advantage to ensure my loans remain in proper administrative forbearance pending final TPD discharge determination 4. Require Advantage to provide a written account of all actions taken on my account since XX/XX/XXXX XXXX. Investigate whether XXXX 's practices constitute a pattern of violations affecting other XXXX  applicants SUPPORTING DOCUMENTATION AVAILABLE TPD system screenshot confirming XXXX XXXX XXXX completed XX/XX/XXXX XXXX reconsideration notice with XX/XX/XXXX deadline XXXX monthly alerts confirming repeated DEPT OF EDIAIDVANTAGE balance increases Advantage forbearance confirmation notice Aidvantage Customer Advocate Unit escalation notice XXXX XXXX documentation showing decline from XXXX to XXXX","date_sent_to_company":"2026-03-25T11:45:11.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"20537159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-03-24T12:43:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["HOW TO FILE : Go to consumerfinance.gov/<em>complaint</em> Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the <em>narrative</em> below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) <em>COMPLAINT</em> <em>NARRATIVE</em> COPY AND PASTE THIS ENTIRE SECTION I am filing this <em>complaint</em> against Advantage ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[10.964767,"20537159"]},{"_index":"complaint-public-v1","_id":"19932139","_score":10.008105,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : NEW FORMAL COMPLAINT XXXX XXXX, XXXX, XXXX, and MOHELA Failure to Validate Debt, Unlawful Credit Reporting, and Violations of FDCPA/FCRA Complaint ID : XXXX Amount of Debt : {$250.00} Product : Federal Student Loan ( FFELP ) Company Response Received : MOHELA responded on behalf of itself and XXXX  with a legally insufficient \" validation '' consisting only of a Master Promissory Note and payment history, explicitly refusing to provide chain of title. \nCOMPLAINT NARRATIVE I am filing this complaint against XXXX XXXX, LLC ( originator/owner ), XXXX  ( interim servicer ), and MOHELA ( current servicer ) for their collective failure to validate my federal student loan debt, their continued reporting of unvalidated debt to credit bureaus, and their violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). \n\nMy loans are Federal Family Education Loan Program ( FFELP ) XXXX loans originally disbursed by XXXX XXXX in XX/XX/XXXX. I have an active Borrower Defense to Repayment application and have been confirmed by the Project on Predatory Student Lending ( PPSL ) as a \" Sweet Post-Class Applicant '' in the XXXX XXXX XXXXXXXX class action litigation. \n\nDespite multiple requests spanning months, none of these entities have provided legally sufficient validation of this debt. MOHELA 's recent response ( attached ) confirms the systemic failures. \nSECTION 1 : MOHELA 'S RESPONSE IS LEGALLY INSUFFICIENT AND ADMITS CRITICAL FAILURES MOHELA 's response claims to have validated my debt by providing a Master Promissory Note ( MPN ) and payment history. This is legally insufficient for multiple reasons. \n\nA. The XXXX XXXX XXXX XXXX XXXX Precedent Establishes That MPNs Alone Are Not Validation The CFPB 's enforcement action against the XXXX XXXX XXXX XXXX XXXX directly addresses this situation. The CFPB alleged that the Trusts : \" Sued consumers for debts the Trusts could not prove were owed '' Filed lawsuits although they \" did not have or could not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt '' The parallel to my case is exact. MOHELA and XXXX can not prove they own my loans or that I owe this specific debt. They have provided the original contract ( MPN ) but refuse to provide : Chain of title documentation Proof of assignment from XXXX XXXX to XXXX to any securitization trust The name of any trust holding my loans XXXX  numbers for securitized tranches The CFPB 's action required the Trusts to \" stop collecting on certain debts... where necessary documentation can not be located ''. The same standard must apply here. \n\nB. MOHELA 's Explicit Refusal to Provide Chain of Title Is an Admission MOHELA states : \" Except as required by law, we do not provide the chain of title in the ordinary course of business, and we will not be providing it to you here. '' This statement is legally significant because : Chain of title IS required by law when a debt is disputed under 15 U.S.C. 1692g The XXXX XXXX XXXX  case establishes that collecting without chain of title is unlawful Their refusal suggests the documentation either does not exist or would reveal defects C. \" Based on Information Available '' Confirms Incomplete Reporting MOHELA admits they are reporting my debt to credit bureaus \" based on the information available. '' This is not the same as having complete, accurate information. The CFPB has already determined that reporting based on incomplete documentation harms consumers. \nSECTION 2 : MOHELA 'S RESPONSE ADMITS XXXX OWNS THE LOANSDESTROYING NAVIENT 'S DEFLECTION MOHELA 's response states explicitly : \" MOHELA currently services your two XXXX owned Federal Family Education Loan Program ( FFELP ) XXXX Loans. '' This admission is critical : Implication Significance Navient is the legal owner MOHELA admits XXXX has standing and can be sued directly XXXX 's \" talk to MOHELA '' defense is false Navient can not hide behind a servicer when they own the debt XXXX is liable for validation failures As owner, XXXX is responsible for providing chain of title XXXX has repeatedly told me to \" deal with MOHELA. '' MOHELA now confirms XXXX owns the loans. This circular deflection must stop. \n\nFurthermore, XXXX was banned from servicing federal student loans in XX/XX/XXXX as part of a {$120.00} million CFPB settlement. This settlement acknowledged XXXX 's pattern of \" account mismanagement and inaccurate payment collections ''. The transfer to MOHELA was a direct result of this enforcement action, not an ordinary business decision. \nSECTION 3 : MOHELA 'S HISTORY OF SERVICING FAILURES MAKES THEIR RESPONSE SUSPECT Senator XXXX XXXX and XXXX other Senators sent a letter to XXXX in XX/XX/XXXX specifically warning about MOHELA 's unfitness to handle these loans. The letter stated that MOHELA is \" ill suited to facilitate the cancellation of these loans '' and noted that during the return to repayment, \" at least XXXX XXXX MOHELA borrowers were affected by servicing failures like backlogs, payment miscalculations, and late bills ''. \n\nThe Senators further warned : \" Given MOHELA 's failure to follow guidance on canceling predatory federal loans, it is hard to believe that it will behave any better in canceling similar private loans XXXX will transfer to them ''. \n\nThe Project on Predatory Student Lending ( PPSL ) which represents Sweet class membersendorsed this letter, stating that XXXX 's loans \" should be extinguished, not transferred ''. \n\nMOHELA 's response confirms these warnings were prescient. They are refusing to provide validation, ignoring my XXXX class status, and continuing to report unvalidated debt. \nSECTION 4 : THE DEBT HAS NEVER BEEN VALIDATED AND IS UNENFORCEABLE Under the FDCPA, 15 U.S.C. 1692g, when a consumer disputes a debt, the debt collector must obtain verification and mail it to the consumer. Courts have consistently held that verification requires proof that the debt collector has the legal right to enforce the debt. \n\nWhat has NOT been provided : Required Element Status Chain of title from origination to present Explicitly refused Proof of assignment from XXXX XXXX to XXXX  Not provided Securitization documents ( trust name, Indenture Trustee ) Not provided XXXX  numbers for any securitized tranches Not provided Verification that \" D.O.G.E. '' data glitch errors were corrected Not addressed Acknowledgment of XXXX  class status Ignored What HAS been provided : Master Promissory Note ( original contract from XXXX ) Payment history ( shows payment application, not ownership ) The XXXX XXXX XXXX case establishes that without proof of ownership, collection activity is unlawful. The XXXX XXXX held that securitization trusts are \" covered persons '' subject to CFPB enforcement and can not avoid responsibility. \nSECTION 5 : MY XXXX  CLASS STATUS MAKES REPORTING INAPPROPRIATE I have been confirmed by PPSL as a \" XXXX  Post-Class Applicant. '' My Borrower Defense application is part of a federal class action settlement with court-ordered deadlines. \n\nPost-class applicants ( those who applied between XX/XX/XXXX, and XX/XX/XXXX ) were required to receive decisions by XX/XX/XXXX. The court rejected the Department of Education 's attempt to extend this deadline. \n\nLegal significance : My loans are under active federal adjudication The Department of Education has acknowledged these loans may qualify for discharge Reporting this debt as \" accurate '' during this review is premature and prejudicial MOHELA 's response completely ignores my Sweet status, despite my prior submissions documenting it. \nSECTION 6 : DAMAGES FROM YEARS OF CREDIT HARM The collective failures of XXXX, XXXX, and MOHELA have caused years of tangible harm : Harm Category Description Credit Scores Depressed scores due to reporting of unvalidated debt Housing Opportunities Difficulty securing rental housing Employment Potential adverse impact on job opportunities Interest Rates Higher rates on any credit obtained Emotional Distress Years of stress fighting unvalidated debt Time and Resources Countless hours spent on complaints and research The XXXX XXXX XXXX XXXX XXXX resulted in {$2.00} million in redress to harmed borrowers. A separate action against the Trusts and PHEAA required nearly {$3.00} million in redress and {$2.00} million in civil penalties. The same standards should apply here. \nRELIEF REQUESTED I respectfully request that the CFPB take the following actions : # Request 1 Investigate whether XXXX, XXXX, and MOHELA are collecting on debts they can not prove they own, in violation of the standards established in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order Navient to provide full chain of title documentation, including all assignments from XXXX XXXX to XXXX to any securitization trusts 3 Order Navient to provide the name of any trust holding my loans, the XXXX  XXXX, and XXXX  numbers for any securitized tranches 4 Order all three entities to immediately cease all collection and credit reporting activities until full validation is provided 5 Order all three entities to delete all trade lines associated with this account from my credit reports if validation is not provided within 15 days 6 Order financial restitution for years of credit harm caused by reporting on unvalidated debt 7 Impose civil penalties for willful violations of the FDCPA and FCRA, consistent with the penalties imposed on the XXXX XXXX XXXX and PHEAA NOTICE OF INTENT TO PURSUE ARBITRATION AND LITIGATION As previously noticed, if this matter is not resolved through the CFPB, I will : Proceed with arbitration against XXXX under the arbitration clause in my promissory note. Case law establishes that XXXX 's arbitration clauses are enforceable and cover FCRA and FDCPA claims. \n\nFile complaints with the FTC and Nevada Attorney General. \n\nPursue a private right of action under the FDCPA and FCRA for damages, including emotional distress. \n\nThe XXXX v. Educational Credit Management Corporation case demonstrates that borrowers can and do pursue claims against student loan entities for improper reporting and collection activities. \nSUPPORTING DOCUMENTATION ATTACHED CERTIFICATION I certify that the information in this complaint is true and correct to the best of my knowledge. \n\nSincerely, XXXX XXXX Without Prejudice | UCC 1-308","date_sent_to_company":"2026-03-03T16:58:11.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"897XX","tags":null,"has_narrative":true,"complaint_id":"19932139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2026-03-03T16:49:51.000Z","state":"NV","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Post-class applicants ( those who applied between XX/XX/<em>XXXX</em>, and XX/XX/<em>XXXX</em> ) were required to receive decisions by XX/XX/<em>XXXX</em>. The court rejected the <em>Department</em> of <em>Education</em> 's attempt to extend this deadline."]},"sort":[10.008105,"19932139"]},{"_index":"complaint-public-v1","_id":"12511668","_score":9.545441,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, My loans have been inappropriately managed by MOHELA.MOHELAs failings have been sufficient to cause financial, mental, and emotional distress. Collectively, they result in a Kafkaesque experience and make it practically impossible for borrowers, like myself, to correct account errors, make important decisions to protect their economic well-being, or even confirm basic information about their student loans. \nMOHELAs systemic failures have been ongoing for years Mohela has done the following to purposely modified the narrative to negatively affect my credit report, falsely deleted and forgave my loans, then re-instated them under a different account, failed to return hours worth of calls or call setups, charged me late fees when my loans stated they were forgiven, refused to comply with the directive to make interest rates 0 %, submitted multiple complaints with no response, case was elevated to consultants/legal counsel with no return phone call, cases were closed out with insufficient documents when the documents were there in more than one format ( ex W2 transcripts and Individual Employment Reports ). \nXXXX. MOHELA ERRORS : MOHELA knew that not all of its online features were up-to-date or available. Furthermore, MOHELA makes it practically impossible for borrowers to get help with their loans. Instead of adequately staffing and appropriately training customer service representatives, MOHELA affirmatively took steps to make it harder for borrowers to receive help.Two Websites that are not consumer friendly, with false call back times available when you request a call back, inability to maintain a consumer 's account accurately. Mohela has a wide range of unlawful practices, including illegally executing a call deflection scheme to deny service to borrowers who need help. Long wait times or inability to escalate concerns inhibited me from speaking to someone. XXXX phone calls between the only mailed statement on XXXX XX/XX/XXXX. False online apts being made for call back- hours listed there dont match service hours for Mohela. \nXXXX. Incorrect Payment History Online : When I call in person, customer service verifies that I have paid over the required amount and evidence has been posted online & faxed for PLSF. In most cases if borrowers made qualifying payments that exceed the applicable forgiveness period, they will receive a refund for their overpayment. \nXXXX. MOHELA ZEROD OUT ALL LOANS : Forgave all my loans both FED and PRIVATE for months, then all the sudden they were denied again after documentation that I owed ZERO. See Evidence XXXX. BIAS & DISCRIMINATION : I completed my loan forgiveness with XXXX peers of mine for the exact same loans and at the same time. ALL XXXX peers are XXXXXXXX XXXX and have gotten all of their loans forgiven and cleared within XXXX months of applying. We all applied in XXXX. Since then I have had to reapply multiple times and I have worked longer than they have collectively in low income schools. \nXXXX. XXXX. Failed to make interest rates 0 % : The law reduced the interest rates on all loans held by the U.S. Department of Education to 0 %. The 0 % period is retroactive to XX/XX/XXXX. The law automatically set currently active, delinquent, and defaulted federal student loans to 0 % and the Education Department suspended collection activity. \nXXXX. MOHELA is compelling its customers to waive rights protected under federal and state consumer laws. MOHELA presses its customers into waiving their rights when using websites MOHELA maintains as a service provider to banks and the federal government. \nXXXX. FAILED TO SEND MONTHLY STATEMENTS & MADE ONLINE PAYMENTS Unavailable : MOHELA failed to send monthly student loan bills to XXXX XXXX borrowers, resulting in XXXX borrowers missing a monthly payment. \nMOHELAs misconduct is not just a question of incompetence. MOHELA knew exactly the responsibilities it took on as a servicer and willfully disregard those responsibilities, instead gobbling up more and more of the market even as its incapacity and unwillingness to serve existing borrowers was increasingly apparent. \nMOHELAs servicing failures are exacerbated by a scheme it designed to inhibit borrowers ability to access live customer service representatives and instead divert borrowers to inadequate self-service phone and website platforms. \nMOHELA customers can not get the savings or forgiveness to which they are entitled, can not trust the accuracy of MOHELAs statements of how much they have to pay, and I can not get money back from MOHELA that is rightfully mine. \nMOHELA misleads and misinforms borrowers, fails to process applications for XXXX and income-driven repayment ( XXXX ) plans in a timely manner or entirely, fails to provide refunds, miscalculates balances, over-charges borrowers, fails to respond to borrower inquiries, and denies borrowers information to which they are entitled. \nAs a member of XXXX XXXX for XXXX, resources have been and continue to be diverted to address MOHELAs misconduct in the form of debt clinics, member education, member assistance, investigations and research. \nFor example, since XX/XX/XXXX, at least thirty-five XXXX employees have dedicated more than XXXX hoursor approximately {$150000.00} in staff timeto addressing student loan issues, including MOHELAs unlawful conduct. I have had to take time off to sit on the phone and wait to speak with a representative, even then I have been hung up on after over three hours of waiting or promised that my account would be fixed for both my federal and private loans. I still to date have received no assistance. In fact today I scheduled a call back after waiting for XXXX mins, I just received the call back ( XXXX hours later ) and was hung up on. \nIn XX/XX/XXXX, MOHELA entered into a Binding Letter of Intent to service the Navient-owned and -serviced portfolios. XXXX, a massive loan servicing company that at one time serviced more than XXXX XXXX accounts with loans totaling more than {$200.00} XXXX, exited its XXXX relationship with XXXX in XX/XX/XXXX after repeated scandals. \nMOHELA agreed to service its remaining XXXX loan and private student loan portfolios. \nAlthough as of XX/XX/XXXX, XXXX transitioned the administration of the XXXX program from MOHELA to the federal government, the majority of borrowers pursuing PSLF are still serviced by MOHELA and subjected to its ongoing misconduct. In addition, MOHELA is one of the companies hired by XXXX for the administration of XXXX. \nMOHELA has had and continues to have several essential responsibilities and they have failed to do so for both my federal and private loans, which negate the validity of my loans. \nThese include : a. Being an accessible point of contact, by telephone, email, and through its web portal for borrowers seeking answers and information about their accounts, including how to apply for programs that they are eligible for ; how to make payments ; the amount of their payments ; and other central information to ensure that they remain current and in good standing on their accounts. \nb. Providing accurate and meaningful information to borrowers about available programs and their implications, through access to knowledgeable customer service representatives and information available in mailings and on its website. \nc. Sending timely billing statements. d. Correctly calculating payment amounts. \ne. Maintaining the correct repayment and forbearance status for borrowers. \nXXXX Automatically transferring FEDERAL LOANS XXXX Accurately tracking payments toward PSLF forgiveness. \nXXXX Failing to follow laws and regulations re : 0 % interest rates The stress this has caused me and the amount of energy I have spent to correct this information has been excessive. MOHELAs practices of failing to comply with its basic responsibilities as a student loan servicer are unfair and deceptive in violation of the XXXX. \nMOHELAS acts are unfair because they have caused substantial injury to borrowers like myself. It has dropped my credit score XXXX points for allegedly not paying on an account that showed a zero balance for months. The borrowers can not reasonably avoid, and which is not outweighed by countervailing benefits to consumers or to competition. \nThese acts are beyond deceptive because they mislead or are likely to mislead borrowers, borrowers interpretations of these misleading acts are reasonable, and the misleading acts are material. \nThe above conduct has harmed and continues to harm myself in several ways, including by : forcing me to to make payments on debt that should no longer exist and increasing interest costs; delaying my loan forgiveness ; postponing when otherwise eligible borrowers receive loan cancellation ; depriving opportunities of a means to resolve disputes concerning their loans ; forcing me to pay debts they do not owe and causing their loans to fall into delinquency all while being charged late fees; prolonging the time I spend indebted and forcing me to incur hundreds of dollars in unnecessary costs to avoid default. \nThe Consumer Financial Protection Bureau ( CFPB ) complaint database currently has close to XXXX borrower complaints relating to MOHELAs servicing failures as well as numerous complaints to the Department of Education. \nI am requesting that all my loans be XXXX both federal and private, and that I be refunded for the overpayments and compensation for the emotional stress/vacation time used to attempt to speak to a representative. I am requesting that I am reimbursed within a timely fashion for the overpayments made. I should have achieved debt cancellation due to XXXX, which would have made me eligible for refunds ; however, debt relief was delayed and as a result I am continuing to make unnecessary payments. Many borrowers are still awaiting the refunds they are owed including myself. \nMy application has been in the works for years, yet my peers who submitted their application for the same loan on the same day have already been forgiven. XXXX indescretions/denials of applications has directly benefited MOHELA. MOHELA receives payment from the federal government for each processed XXXX applicationincluding when MOHELA must reprocess applications after a wrongful denial. According to the Student Borrower Protection Center, data shows that private student loans exacerbate economic and XXXX inequality MOHELA is unable to fulfill its responsibilities as a student loan servicer which then nulifies the agreement. Its behavior is egregious even in an industry known for poor servicing at borrowers expense. MOHELAs systemic failures have been ongoing for years, fueled by corporate indifference and prioritizing exponential growth and its own bottom line at the expense of borrowers on whom XXXX relies to educate our children and keep us well. \nMOHELAs abuses must end. MOHELAs waiver would suggest the financial services firm has abandoned any duty of care owed to its customers and it is unwilling or unable to perform its most basic obligations to the holders of the loans it services. Currently, in my home state of Indiana there are XXXX borrowers who have submitted complaints. \nThank you for your time. I look forward to eradicating this nightmare of an issue. \nSincerely, XXXX XXXX XXXX XXXX )","date_sent_to_company":"2025-03-17T19:38:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"46321","tags":null,"has_narrative":true,"complaint_id":"12511668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-17T19:26:47.000Z","state":"IN","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["The Consumer Financial Protection Bureau ( CFPB ) <em>complaint</em> database currently has close to <em>XXXX</em> borrower <em>complaints</em> relating to MOHELAs servicing failures as well as numerous <em>complaints</em> to the <em>Department</em> of <em>Education</em>. \nI am requesting that all my loans be <em>XXXX</em> both federal and private, and that I be refunded for the overpayments and compensation for the emotional stress/vacation time used to attempt to speak to a representative."]},"sort":[9.545441,"12511668"]},{"_index":"complaint-public-v1","_id":"17910642","_score":8.814313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Urgent Demand for Immediate Action on Inconsistent, Unverifiable, and Fraudulent Credit Reporting by Equifax, Experian, and TransUnion Dear Consumer Financial Protection Bureau, I am submitting this formal and urgent complaint against Equifax, Experian, and TransUnion, which have blatantly failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ), and systematically engaged in unethical, fraudulent, and illegal conduct in violation of consumer rights. Their ongoing disregard for accuracy and verification requirements has caused severe financial harm to me and countless other consumers. These practices have already been proven by multiple court rulings, regulatory orders, and substantial financial settlements to be fraudulent, negligent, and highly unethical. I demand immediate action to delete the unverifiable items on my credit reports and hold these entities accountable under the law. \n\nDiscrepancies in My Credit Reports : Direct Violations of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Past Due Violation : This account is being reported differently on each bureaus report, demonstrating a blatant failure to maintain consistent and accurate data. Under FCRA 609, 611, this discrepancy proves negligent reporting and failure to investigate and verify disputed information. Such actions are fraudulent by omission, as they mislead creditors, lenders, and consumers. \n\n* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Balance : {$28000.00}, status : XXXX Days Past Due Experian : Missing or inconsistent status. \n\nTransUnion : Not reported at all. \n\nViolation : This failure to report consistently across bureaus undermines the accuracy of my credit profile and is illegal under FCRA. This shows the bureaus ' reckless disregard for maintaining the integrity of the information they distribute, which is directly harmful to consumers and violates XXXX ( a ) of the FCRA. \n\n* XXXX. XXXX XXXX  ( Account ending XXXX ) Equifax : \" Pays as Agreed, '' with flags stating \" Account Paid After Foreclosure Started '' and \" Affected by Disaster '' Experian/TransUnion : Inconsistent remarks and missing data. \n\nViolation : The inclusion of misleading and inconsistent foreclosure remarks is an unconscionable violation of FCRA, specifically 611 ( a ), as it fails to comply with requirements to provide accurate and timely information. The bureaus behavior here is not just negligent but fraudulent, intentionally obscuring key details from consumers and creditors. \n\n* XXXX. Department of Education XXXX XXXX ( Student Loan, Account ending XXXX ) Equifax : Balance : {$82000.00}, status : Pays As Agreed Experian/TransUnion : Discrepancies in balance reporting and narrative codes. \n\nViolation : The inaccurate reporting of federal student loans under the Department of Education is a clear violation of the FCRA. Experian, TransUnion, and Equifax are systematically failing to maintain accuracy, causing significant harm to the consumers ability to qualify for financing or favorable terms. Failure to comply with federal reporting guidelines is fraudulent. \n\nThe Proven Pattern of Fraudulent, Negligent, and Unlawful Conduct : Legal Precedents and Settlements Equifax History of Unethical and Fraudulent Behavior : XXXX XXXX Settlement ( Final Payouts XXXX ) In the wake of the XXXX data breach, which exposed the sensitive data of XXXX XXXX Americans, XXXX XXXX Equifax was XXXX into a global settlement with the FTC, CFPB, and state governments. The {$420.00} XXXX settlement allocated funds to victims, showing gross negligence and failure to secure consumer data, actions that the CFPB has since penalized. Final payouts are still being distributed. \n\nXXXX XXXX XXXX ( Final Approval XX/XX/XXXX ) Equifax settled XXXX class-action lawsuit over misreporting tribal loans. As part of the settlement, Equifax must delete erroneous loan accounts and compensate affected consumers. This reflects a pattern of erroneous reporting intentionally harming consumers for corporate benefit. \n\nCFPB XXXX {$15.00} XXXX Civil Penalty ( XX/XX/XXXX ) The CFPB issued a {$15.00} XXXX civil penalty against Equifax for failing to properly investigate consumer disputes over inaccurate credit-report information, which is a clear violation of FCRA. This penalty is just XXXX of the many regulatory actions confirming XXXX unlawful practices and the damage caused to consumers by such systemic failures. \n\nXXXX XXXX XXXX XXXX XXXX ( {$720000.00}, XX/XX/XXXX ) Equifax also settled a XXXX error case, paying {$720000.00} to consumers for erroneously lowering their credit scores, resulting in higher loan costs. This shows a continuing failure to maintain the accuracy required by law. \n\nXXXX XXXX XXXX Payouts ( Final Distribution Phase XXXX ) As part of the XXXX breach, final payouts began in XXXX, marking the culmination of Equifaxs liability for its unethical and negligent handling of consumer data, a practice that has now been rectified only after massive regulatory intervention. \n\nExperian Documented Pattern of Negligence and Systemic Failures : CFPB Lawsuit Filed XX/XX/XXXX Experian has been sued by the CFPB for failing to properly investigate consumer credit disputes, falsely re-inserting previously deleted information, and not maintaining accuracy. This represents systematic failures that have been proven unlawful under FCRA. \n\nCourt Ruling in XXXX XXXX Experian ( XX/XX/XXXX ) The courts decision on Experians XXXX practices further demonstrates that Experians illegal actions continue to be challenged in court, reinforcing the ongoing fraudulent misreporting and unethical dispute-handling procedures they employ. \n\nTransUnion XXXX XXXX XXXX XXXX and Fines : XXXX XXXX XXXX {$23.00} XXXX Fine ( XX/XX/XXXX ) TransUnion was XXXX {$23.00} XXXX by the CFPB and FTC for XXXX to properly process tenant screening reports and misleading consumers about security freeze processing, indicating gross negligence and fraud. \n\nXXXX XXXX {$23.00} XXXX ( Credit-Report Dispute Failures ) TransUnion was forced into XXXX {$23.00} XXXX class-action settlement for failing to properly investigate and delete disputed credit-report information. This case is a clear demonstration of fraudulent noncompliance and deceptive practices in consumer dispute resolutions. \n\nClass-Action Settlement {$2.00} XXXX ( Failure to Delete Information ) TransUnion was XXXX {$2.00} XXXX for violating FCRA by XXXX to delete inaccurate or outdated information after receiving valid deletion requests. \n\nBankruptcy Reporting FCRA Class-Action {$45.00} XXXX XXXX TransUnion XXXX XXXX others, was forced to settle for {$45.00} XXXX in a class-action lawsuit over failure to properly report bankruptcy and debt-discharge information, further underlining its systematic neglect of consumer rights. \n\nMulti-Bureau Public Record Reporting Cases ( Ongoing/Resolved Settlements ) Ongoing actions, involving TransUnion and other bureaus, continue to resolve improper public-record and tax-lien reporting, with settlements improving XXXX in consumer data across all three bureaus. \n\nThe ongoing litigation and settlements outlined above are clear evidence of these bureaus ' unlawful practices. Their history is XXXX of intentional negligence, deliberate noncompliance, and disregard for consumer welfare. If this pattern is allowed to continue, the legal consequences will be severe.","date_sent_to_company":"2025-12-10T06:13:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33578","tags":null,"has_narrative":true,"complaint_id":"17910642","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-10T06:12:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* <em>XXXX</em>. <em>Department</em> of <em>Education</em> <em>XXXX</em> <em>XXXX</em> ( Student Loan, Account ending <em>XXXX</em> ) Equifax : Balance : {$82000.00}, status : Pays As Agreed Experian/TransUnion : Discrepancies in balance reporting and <em>narrative</em> codes. \n\nViolation : The inaccurate reporting of federal student loans under the <em>Department</em> of <em>Education</em> is a clear violation of the FCRA."]},"sort":[8.814313,"17910642"]},{"_index":"complaint-public-v1","_id":"17910638","_score":8.814313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Urgent Demand for Immediate Action on Inconsistent, Unverifiable, and Fraudulent Credit Reporting by Equifax, Experian, and TransUnion Dear Consumer Financial Protection Bureau, I am submitting this formal and urgent complaint against Equifax, Experian, and TransUnion, which have blatantly failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ), and systematically engaged in unethical, fraudulent, and illegal conduct in violation of consumer rights. Their ongoing disregard for accuracy and verification requirements has caused severe financial harm to me and countless other consumers. These practices have already been proven by multiple court rulings, regulatory orders, and substantial financial settlements to be fraudulent, negligent, and highly unethical. I demand immediate action to delete the unverifiable items on my credit reports and hold these entities accountable under the law. \n\nDiscrepancies in My Credit Reports : Direct Violations of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Past Due Violation : This account is being reported differently on each bureaus report, demonstrating a blatant failure to maintain consistent and accurate data. Under FCRA 609, 611, this discrepancy proves negligent reporting and failure to investigate and verify disputed information. Such actions are fraudulent by omission, as they mislead creditors, lenders, and consumers. \n\n* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Balance : {$28000.00}, status : XXXX Days Past Due Experian : Missing or inconsistent status. \n\nTransUnion : Not reported at all. \n\nViolation : This failure to report consistently across bureaus undermines the accuracy of my credit profile and is illegal under FCRA. This shows the bureaus ' reckless disregard for maintaining the integrity of the information they distribute, which is directly harmful to consumers and violates XXXX ( a ) of the FCRA. \n\n* XXXX. XXXX XXXX  ( Account ending XXXX ) Equifax : \" Pays as Agreed, '' with flags stating \" Account Paid After Foreclosure Started '' and \" Affected by Disaster '' Experian/TransUnion : Inconsistent remarks and missing data. \n\nViolation : The inclusion of misleading and inconsistent foreclosure remarks is an unconscionable violation of FCRA, specifically 611 ( a ), as it fails to comply with requirements to provide accurate and timely information. The bureaus behavior here is not just negligent but fraudulent, intentionally obscuring key details from consumers and creditors. \n\n* XXXX. Department of Education XXXX XXXX ( Student Loan, Account ending XXXX ) Equifax : Balance : {$82000.00}, status : Pays As Agreed Experian/TransUnion : Discrepancies in balance reporting and narrative codes. \n\nViolation : The inaccurate reporting of federal student loans under the Department of Education is a clear violation of the FCRA. Experian, TransUnion, and Equifax are systematically failing to maintain accuracy, causing significant harm to the consumers ability to qualify for financing or favorable terms. Failure to comply with federal reporting guidelines is fraudulent. \n\nThe Proven Pattern of Fraudulent, Negligent, and Unlawful Conduct : Legal Precedents and Settlements Equifax History of Unethical and Fraudulent Behavior : XXXX XXXX Settlement ( Final Payouts XXXX ) In the wake of the XXXX data breach, which exposed the sensitive data of XXXX XXXX Americans, XXXX XXXX Equifax was XXXX into a global settlement with the FTC, CFPB, and state governments. The {$420.00} XXXX settlement allocated funds to victims, showing gross negligence and failure to secure consumer data, actions that the CFPB has since penalized. Final payouts are still being distributed. \n\nXXXX XXXX XXXX ( Final Approval XX/XX/XXXX ) Equifax settled XXXX class-action lawsuit over misreporting tribal loans. As part of the settlement, Equifax must delete erroneous loan accounts and compensate affected consumers. This reflects a pattern of erroneous reporting intentionally harming consumers for corporate benefit. \n\nCFPB XXXX {$15.00} XXXX Civil Penalty ( XX/XX/XXXX ) The CFPB issued a {$15.00} XXXX civil penalty against Equifax for failing to properly investigate consumer disputes over inaccurate credit-report information, which is a clear violation of FCRA. This penalty is just XXXX of the many regulatory actions confirming XXXX unlawful practices and the damage caused to consumers by such systemic failures. \n\nXXXX XXXX XXXX XXXX XXXX ( {$720000.00}, XX/XX/XXXX ) Equifax also settled a XXXX error case, paying {$720000.00} to consumers for erroneously lowering their credit scores, resulting in higher loan costs. This shows a continuing failure to maintain the accuracy required by law. \n\nXXXX XXXX XXXX Payouts ( Final Distribution Phase XXXX ) As part of the XXXX breach, final payouts began in XXXX, marking the culmination of Equifaxs liability for its unethical and negligent handling of consumer data, a practice that has now been rectified only after massive regulatory intervention. \n\nExperian Documented Pattern of Negligence and Systemic Failures : CFPB Lawsuit Filed XX/XX/XXXX Experian has been sued by the CFPB for failing to properly investigate consumer credit disputes, falsely re-inserting previously deleted information, and not maintaining accuracy. This represents systematic failures that have been proven unlawful under FCRA. \n\nCourt Ruling in XXXX XXXX Experian ( XX/XX/XXXX ) The courts decision on Experians XXXX practices further demonstrates that Experians illegal actions continue to be challenged in court, reinforcing the ongoing fraudulent misreporting and unethical dispute-handling procedures they employ. \n\nTransUnion XXXX XXXX XXXX XXXX and Fines : XXXX XXXX XXXX {$23.00} XXXX Fine ( XX/XX/XXXX ) TransUnion was XXXX {$23.00} XXXX by the CFPB and FTC for XXXX to properly process tenant screening reports and misleading consumers about security freeze processing, indicating gross negligence and fraud. \n\nXXXX XXXX {$23.00} XXXX ( Credit-Report Dispute Failures ) TransUnion was forced into XXXX {$23.00} XXXX class-action settlement for failing to properly investigate and delete disputed credit-report information. This case is a clear demonstration of fraudulent noncompliance and deceptive practices in consumer dispute resolutions. \n\nClass-Action Settlement {$2.00} XXXX ( Failure to Delete Information ) TransUnion was XXXX {$2.00} XXXX for violating FCRA by XXXX to delete inaccurate or outdated information after receiving valid deletion requests. \n\nBankruptcy Reporting FCRA Class-Action {$45.00} XXXX XXXX TransUnion XXXX XXXX others, was forced to settle for {$45.00} XXXX in a class-action lawsuit over failure to properly report bankruptcy and debt-discharge information, further underlining its systematic neglect of consumer rights. \n\nMulti-Bureau Public Record Reporting Cases ( Ongoing/Resolved Settlements ) Ongoing actions, involving TransUnion and other bureaus, continue to resolve improper public-record and tax-lien reporting, with settlements improving XXXX in consumer data across all three bureaus. \n\nThe ongoing litigation and settlements outlined above are clear evidence of these bureaus ' unlawful practices. Their history is XXXX of intentional negligence, deliberate noncompliance, and disregard for consumer welfare. If this pattern is allowed to continue, the legal consequences will be severe.","date_sent_to_company":"2025-12-10T06:13:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33578","tags":null,"has_narrative":true,"complaint_id":"17910638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-10T05:14:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* <em>XXXX</em>. <em>Department</em> of <em>Education</em> <em>XXXX</em> <em>XXXX</em> ( Student Loan, Account ending <em>XXXX</em> ) Equifax : Balance : {$82000.00}, status : Pays As Agreed Experian/TransUnion : Discrepancies in balance reporting and <em>narrative</em> codes. \n\nViolation : The inaccurate reporting of federal student loans under the <em>Department</em> of <em>Education</em> is a clear violation of the FCRA."]},"sort":[8.814313,"17910638"]},{"_index":"complaint-public-v1","_id":"17910643","_score":8.807888,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Urgent Demand for Immediate Action on Inconsistent, Unverifiable, and Fraudulent Credit Reporting by Equifax, Experian, and TransUnion Dear Consumer Financial Protection Bureau, I am submitting this formal and urgent complaint against Equifax, Experian, and TransUnion, which have blatantly failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ), and systematically engaged in unethical, fraudulent, and illegal conduct in violation of consumer rights. Their ongoing disregard for accuracy and verification requirements has caused severe financial harm to me and countless other consumers. These practices have already been proven by multiple court rulings, regulatory orders, and substantial financial settlements to be fraudulent, negligent, and highly unethical. I demand immediate action to delete the unverifiable items on my credit reports and hold these entities accountable under the law. \n\nDiscrepancies in My Credit Reports : Direct Violations of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Past Due Violation : This account is being reported differently on each bureaus report, demonstrating a blatant failure to maintain consistent and accurate data. Under FCRA 609, 611, this discrepancy proves negligent reporting and failure to investigate and verify disputed information. Such actions are fraudulent by omission, as they mislead creditors, lenders, and consumers. \n\n* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Balance : {$28000.00}, status : XXXX Days Past Due Experian : Missing or inconsistent status. \n\nTransUnion : Not reported at all. \n\nViolation : This failure to report consistently across bureaus undermines the accuracy of my credit profile and is illegal under FCRA. This shows the bureaus ' reckless disregard for maintaining the integrity of the information they distribute, which is directly harmful to consumers and violates XXXX ( a ) of the FCRA. \n\n* XXXX. XXXX XXXX  ( Account ending XXXX ) Equifax : \" Pays as Agreed, '' with flags stating \" Account Paid After Foreclosure Started '' and \" Affected by Disaster '' Experian/TransUnion : Inconsistent remarks and missing data. \n\nViolation : The inclusion of misleading and inconsistent foreclosure remarks is an unconscionable violation of FCRA, specifically 611 ( a ), as it fails to comply with requirements to provide accurate and timely information. The bureaus behavior here is not just negligent but fraudulent, intentionally obscuring key details from consumers and creditors. \n\n* XXXX. Department of Education XXXX XXXX ( Student Loan, Account ending XXXX ) Equifax : Balance : {$82000.00}, status : Pays As Agreed Experian/TransUnion : Discrepancies in balance reporting and narrative codes. \n\nViolation : The inaccurate reporting of federal student loans under the Department of Education is a clear violation of the FCRA. Experian, TransUnion, and Equifax are systematically failing to maintain accuracy, causing significant harm to the consumers ability to qualify for financing or favorable terms. Failure to comply with federal reporting guidelines is fraudulent. \n\nThe Proven Pattern of Fraudulent, Negligent, and Unlawful Conduct : Legal Precedents and Settlements Equifax History of Unethical and Fraudulent Behavior : XXXX XXXX Settlement ( Final Payouts XXXX ) In the wake of the XXXX data breach, which exposed the sensitive data of XXXX XXXX Americans, XXXX XXXX Equifax was XXXX into a global settlement with the FTC, CFPB, and state governments. The {$420.00} XXXX settlement allocated funds to victims, showing gross negligence and failure to secure consumer data, actions that the CFPB has since penalized. Final payouts are still being distributed. \n\nXXXX XXXX XXXX ( Final Approval XX/XX/XXXX ) Equifax settled XXXX class-action lawsuit over misreporting tribal loans. As part of the settlement, Equifax must delete erroneous loan accounts and compensate affected consumers. This reflects a pattern of erroneous reporting intentionally harming consumers for corporate benefit. \n\nCFPB XXXX {$15.00} XXXX Civil Penalty ( XX/XX/XXXX ) The CFPB issued a {$15.00} XXXX civil penalty against Equifax for failing to properly investigate consumer disputes over inaccurate credit-report information, which is a clear violation of FCRA. This penalty is just XXXX of the many regulatory actions confirming XXXX unlawful practices and the damage caused to consumers by such systemic failures. \n\nXXXX XXXX XXXX XXXX XXXX ( {$720000.00}, XX/XX/XXXX ) Equifax also settled a XXXX error case, paying {$720000.00} to consumers for erroneously lowering their credit scores, resulting in higher loan costs. This shows a continuing failure to maintain the accuracy required by law. \n\nXXXX XXXX XXXX Payouts ( Final Distribution Phase XXXX ) As part of the XXXX breach, final payouts began in XXXX, marking the culmination of Equifaxs liability for its unethical and negligent handling of consumer data, a practice that has now been rectified only after massive regulatory intervention. \n\nExperian Documented Pattern of Negligence and Systemic Failures : CFPB Lawsuit Filed XX/XX/XXXX Experian has been sued by the CFPB for failing to properly investigate consumer credit disputes, falsely re-inserting previously deleted information, and not maintaining accuracy. This represents systematic failures that have been proven unlawful under FCRA. \n\nCourt Ruling in XXXX XXXX Experian ( XX/XX/XXXX ) The courts decision on Experians XXXX practices further demonstrates that Experians illegal actions continue to be challenged in court, reinforcing the ongoing fraudulent misreporting and unethical dispute-handling procedures they employ. \n\nTransUnion XXXX XXXX XXXX XXXX and Fines : XXXX XXXX XXXX {$23.00} XXXX Fine ( XX/XX/XXXX ) TransUnion was XXXX {$23.00} XXXX by the CFPB and FTC for XXXX to properly process tenant screening reports and misleading consumers about security freeze processing, indicating gross negligence and fraud. \n\nXXXX XXXX {$23.00} XXXX ( Credit-Report Dispute Failures ) TransUnion was forced into XXXX {$23.00} XXXX class-action settlement for failing to properly investigate and delete disputed credit-report information. This case is a clear demonstration of fraudulent noncompliance and deceptive practices in consumer dispute resolutions. \n\nClass-Action Settlement {$2.00} XXXX ( Failure to Delete Information ) TransUnion was XXXX {$2.00} XXXX for violating FCRA by XXXX to delete inaccurate or outdated information after receiving valid deletion requests. \n\nBankruptcy Reporting FCRA Class-Action {$45.00} XXXX XXXX TransUnion XXXX XXXX others, was forced to settle for {$45.00} XXXX in a class-action lawsuit over failure to properly report bankruptcy and debt-discharge information, further underlining its systematic neglect of consumer rights. \n\nMulti-Bureau Public Record Reporting Cases ( Ongoing/Resolved Settlements ) Ongoing actions, involving TransUnion and other bureaus, continue to resolve improper public-record and tax-lien reporting, with settlements improving XXXX in consumer data across all three bureaus. \n\nThe ongoing litigation and settlements outlined above are clear evidence of these bureaus ' unlawful practices. Their history is XXXX of intentional negligence, deliberate noncompliance, and disregard for consumer welfare. If this pattern is allowed to continue, the legal consequences will be severe.","date_sent_to_company":"2025-12-10T06:13:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33578","tags":null,"has_narrative":true,"complaint_id":"17910643","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-10T06:12:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* <em>XXXX</em>. <em>Department</em> of <em>Education</em> <em>XXXX</em> <em>XXXX</em> ( Student Loan, Account ending <em>XXXX</em> ) Equifax : Balance : {$82000.00}, status : Pays As Agreed Experian/TransUnion : Discrepancies in balance reporting and <em>narrative</em> codes. \n\nViolation : The inaccurate reporting of federal student loans under the <em>Department</em> of <em>Education</em> is a clear violation of the FCRA."]},"sort":[8.807888,"17910643"]},{"_index":"complaint-public-v1","_id":"8368767","_score":8.059507,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer complaint narrative Name : Dear Credit Reporting Agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : incorrect information ; information reported inaccurately, and given out without written consent, in addition to disclosing my information to a third-party affiliate without my consent violating the terms and conditions of said institutions below. Subject : Fair Credit Reporting Act, 607 15 USC 168le ( b ). Account information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect, and charge offs are under the definition of a Certificate of Indebtedness therefore falls under the listing as income thus any income, must be removed immediately as it is most certainly a violation per the Privacy Act of 1973 I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 168le ( b ), Compliance Procedures As per Section 607, Accuracy of Report, As a consumer XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Early Warning Services, XXXX XXXX and XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Early Warning Services, XXXX XXXX and XXXX ) the financial institution ( XXXX ) and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Early Warning Services, XXXX XXXX and XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states. There is a need to ensure that consumer reporting agencies ( XXXX, XXXX XXXX XXXX ) must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \nI have also included a copy of my credit report with the inaccurate Information I am requesting to have removed, please update my file promptly. There shall be No other address ( 9 violations listed, 9 Non-mailable addresses ), name ( s ), or unrelated number ( 11 Violations Listed ), the only and correct reporting name, Only mailable address, sole address and only phone number is : Exhibit A : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently listed phone numbers any other non-mailable ( 11 Listed Non-Mailable ) addresses, names and ( 11 Listed contact numbers of no relation ) these contact numbers are fraudulent and subject to violations per federal FCRA & The FTC hereunder 5 USC 522 ( a ) including 17 CFR 424, No authorization of any and all promotional inquiries, revokes access to viewing my information without my consent. As it comes to my understanding my information compromised or in other words was given to a third party affiliate Company ( Early Warning Services, XXXX XXXX and XXXX ) which violates 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information As it shows below are accounts with numerous and various falsely reports of incorrect/unverified information. : Account information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16 CFR 433.2 is a federal regulation that preserves the consumers ' claims and defenses against a creditor or assignee of a contract12. This means that if a consumer buys something on credit from a seller, and the seller transfers the contract to another party, the consumer can still raise any claim or defense that they had against the seller to the new party. The regulation does not create any new rights for the consumer, but only protects the existing ones. Along with these institutions inquiring on my information without my consent : under the category of financial institutions Which violates my rights within the Privacy Act of 1974 5 U.S.C. 552a ( e ) ( 3 ) -Department of EducationXXXX XXXXUS DEPT. OF EDUCATIONXXXX XXXX ( XXXX LISTED STUDENT LOANS FROM THE FOLLOWING ) DEPT OF ED / XXXX XXXX The inclusion of the Department of Education is a direct violation of The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), as it pertains to the privacy of student education records. Additionally, the disclosure of nonpublic personal information without proper notice and consent is in violation of various sections of the United States Code, including 15 U.S. Code 6801, 6802, and 6805. Please UPDATE the student loan accounts to PAID AS AGREED. DO NOT REMOVE. I am opting out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, per 15 USC 6802, as a Federally Protected Consumer under the Fair Credit Reporting Act. I have used 16 CFR 313.7 as a reference to opt-out as well. Please remove any late payments from my credit as well. According to 16 CFR 444.4, it is an unfair act or practice within the meaning of section 5 of that Act for a creditor, directly or indirectly, to levy or collect any delinquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period when the only delinquency is attributable to late fees or delinquency charges assessed on earlier installments. Furthermore, I am requesting the removal of all hard and soft inquiries from my credit report in accordance with 15 U.S. Code 1681b, as there has been no explicit written instruction for such inquiries. 99.38 ( Such Listed Inquiries in question with no permissible purposes. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ) What conditions apply to disclosure of information as permitted by State statute adopted after XX/XX/XXXX, concerning the juvenile justice system? \n( a ) If reporting or disclosure allowed by State statute concerns the juvenile justice system and the system 's ability to effectively serve, prior to adjudication, the student whose records are released, an educational agency or institution may disclose education records under 99.31 ( a ) ( 5 ) ( i ) ( B ). \n( b ) The officials and authorities to whom the records are disclosed shall certify in writing to the educational agency or institution that the information will not be disclosed to any other party, except as provided under State law, without the prior written consent of the parent of the student. Regarding promotional inquiries, I have identified the following entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I expect immediate action to address these promotional inquiries, as outlined by the relevant legal provisions, with each violation incurring a penalty of { {$1000.00} }. In accordance with 5 U.S.C. 552a ( g ) ( 1 ) ( C ), I may pursue legal action for any failure to maintain accurate, relevant, timely, and complete records that result in adverse determinations. If it is determined that the agency acted intentionally or willfully, or in error. I may seek damages in accordance with the mentioned statute. Please provide instructions on where I should send my invoice for the promotional inquiries, as each violation incurs a { {$1000.00} } penalty, as per the aforementioned legal provision. I look forward to your prompt attention to this matter and the resolution of these privacy violations.15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, Your cooperation in this regard is greatly appreciated.\n\nIn suit for compensation for inconveniences, I request to be compensated {$00.00} for these violations along with the permanently immediate removal of accounts above affecting credit in any way. I have been injured as a result. suffer financial loss, embarrassment, lack of better/sufficient health care, respectful living standards, rejection from acquiring things to live my life as the Beneficiary of said rights above. Equity regards the beneficiary as the true owner.","date_sent_to_company":"2024-02-19T04:14:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"8368767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-02-19T03:05:49.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Along with these institutions inquiring on my information without my consent : under the category of financial institutions Which violates my rights within the Privacy Act of 1974 5 U.S.C. 552a ( e ) ( 3 ) -<em>Department</em> of <em>Education</em><em>XXXX</em> XXXXUS DEPT."]},"sort":[8.059507,"8368767"]},{"_index":"complaint-public-v1","_id":"21389630","_score":8.022588,"_source":{"product":"Student loan","complaint_what_happened":"Issue : Fraudulent student loan and failure of financial institution to follow XXXX XXXX XXXX Company : Sallie Mae Bank Complaint Narrative : I am a XXXX XXXX  XXXX XXXX XXXX filing this on behalf of my XXXX, who is a victim of identity theft and bank fraud ( XXXX U.S.C. XXXX ). Sallie Mae allowed a fraudulent student loan to be opened using my wifes identity as a co-signer without her authorization or knowledge. \nThe investigation has identified the following critical failures and criminal evidence : KYC/CIP Failure XXXX Sallie Mae failed to verify the co-signers identity, allowing a fraudulent application to proceed despite a deliberate \" XXXX XXXX '' transposition of the co-signers phone number. The number used on the application ( XXXX ) was a deliberate near-match to my wifes actual number ( XXXX ) to intercept verification calls. \nIdentified Suspects : The primary borrower, XXXX XXXX, and a facilitator, XXXX XXXX ( aka \" XXXX, '' Phone : XXXX ), attempted to \" de-escalate '' legal reporting by making unauthorized back-payments on XX/XX/XXXX, to cure a default. \nNotice of Default : Sallie Mae is currently attempting to collect on a defaulted fraudulent debt. Not sure derogatory marks on my wifes credit report despite being notified of the fraud. \n\n\nDesired Resolution : Immediate removal of all derogatory tradelines and hard inquiries from all credit bureaus. \nRescission of the \" Notice of Default '' and a formal \" Letter of Release '' for my XXXX. \nInternal referral to XXXX XXXX XXXX for prosecution of the identified perpetrators. \n\n\nTimeline and Information regarding Identity Theft and XXXX XXXX. XX/XX/XXXX received letter in mail from Sallie Mae stating loan ( XXXX ) are past due. \nXXXX has no knowledge of any loan ( XXXX ) with Sallie Mae. \nXXXX. Called Sallie Mae XXXX to discuss the issue of the loan ( XXXX ). Talk to customer service rep who wanted information such as date of birth and social security number. We refused the request to give XXXX & XXXX XXXX and ask to talk to someone in their fraud department. \nXXXX. Spoke to XXXX XXXX, would not give last name, but employee id number XXXX. He confirmed he worked in XXXX XXXX. Phone number XXXX discussing he asked for the customer information number on the letter and Susans XXXX which we gave him. At that time he confirmed XXXX was listed as the co-signer on a student loan for XXXX XXXX, a then student at University XXXX XXXX XXXX in XXXX XXXX, XXXX Told him XXXX never signed as a cosigner and we live in Florida XXXX He then asked if our address was XXXX XXXX XXXX, XXXX, FL XXXX we confirmed it was our address. When he check the phone number he gave us ( XXXX ) XXXX, told him that was incorrect it is ( XXXX ) XXXX. Asked him how did they verify it was XXXX he said just by using the name and address. \nXXXX. He then gave us instructions to report it the police, go on FTC Identitytheft.com fill out a report get a number. They will send us documents to complete and we will need the police report and the number assigned by the FTC Identity documents. He said once they have that information they will complete an investigation and get back us with in XXXX  days after receiving it back in their office. \nXXXX. Did our internet search found an XXXX XXXX in XXXX working at XXXX XXXX XXXX XXXX phone number XXXX. Called the number at XXXX PM asked for XXXX XXXX, operator put me through to her extension, there was no answer left her voice mail and my number. She called back at XXXX inquiring what the call was about. We told her about the issue. She said she did not anything about it and did not know how XXXX was listed as co-signer. Asked her didnt she fill out the application she did but hen gave it to a person to assist her for fee and he completed it. Asked who is he she said she didnt know him ask the name she said what sounded like coffee didnt spell it for us. The loan was taken out in XXXX. XXXX she got him through a friend that who also used him to complete a loan application. She admitted she did not know us. She had missed XXXX payments due to a dental emergency that she had done and could not pay the loan for XXXX months. Said she would call Sallie Mae to discuss payments. \nXXXX. Later that evening she called back form her cell phone XXXX stating she was making payment tomorrow XX/XX/XXXX to get caught up on the loan. We thanked her for calling Sallie Mae and getting back on payment schedule. \nXXXX. Later that night I completed an online police report with the University XXXX XXXX XXXX Police XXXX. about the incident. \nXXXX. At XXXX I received a call from XXXX XXXX XXXX me know she made a payment today. She let me know she graduated in XX/XX/XXXX. \nXXXX. I called University XXXX XXXX XXXX Police XXXX. XXXX to check to see if they received the online submission. The dispatcher checked on it. He said yes they have it and his sergeant stated it was being referred to the XXXX Chiefs office, but I needed to file with my local authorities. He said the local authorities could then get in touch the University XXXX XXXX XXXX Police Department. \n\nXXXX. While on the phone with XXXX XXXX of XXXX I received another call from a Connecticut phone number XXXX at XXXX. After getting the information from XXXX I called back the number. \nXXXX. XXXX PM i called the number the person who answered the phone stated his name was XXXX and he was called to see if we could de-escalate the situation involving XXXX XXXX. I asked what his relationship was with XXXX XXXX. He said friend, like family, they are like brother and sister. He went on about how nice XXXX is and there was no intent on her part. She was just trying to get a loan to finish her education. Again I asked what did he want, just to see if we could not pursue it any further, told him that I need to complete the process to clear my wifes name and protect her from further identity issues or similar situations. I asked him who was XXXX XXXX as that is the name attached to the number XXXX, he said that was him. I asked why then say you are XXXX, he said that is what he is known by sort of like using XXXX instead of XXXX. He claimed to be in real estate business. We concluded our discussion by me XXXX  need to follow through the process to protect XXXX  interest and mine. Conversation ended. \nNothing since. XX/XX/XXXX XX/XX/XXXX XXXX AM Call from XXXX XXXX apologizing again for the issue. XXXX she called Sallie Mae to explain the co-signer being an error. She stated they are sending her forms to fill out. \nShe asked if we can not pursue any further action and not involve the police. Told her that was not my decision as Sallie Mae fraud person stated it needed to be reported to the police and FTCIdentityTheft.com for them to process the matter and remove XXXX as co-signer. She was very concerned over her future as she tries to start a career. Told her I was sorry she was put in this position too, but all she can do if approached by law enforcement is to tell the truth. It would also help to locate the person who completed the co-signer portion so law enforcement can discuss with him. Told her to keep making payments is XXXX way to keep the matter from escalating. She explained she was desperate to finish her education and needed the loan she allowed the person to handle the matter for her, she said she is sorry she did now.","date_sent_to_company":"2026-04-20T02:14:10.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"337XX","tags":"Older American","has_narrative":true,"complaint_id":"21389630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2026-04-20T01:54:44.000Z","state":"FL","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Co-signer"},"highlight":{"complaint_what_happened":["Issue : Fraudulent student loan and failure of financial institution to follow <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Company : Sallie Mae Bank <em>Complaint</em> <em>Narrative</em> : I am a <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> filing this on behalf of my <em>XXXX</em>, who is a victim of identity theft and bank fraud ( <em>XXXX</em> U.S.C. <em>XXXX</em> ). Sallie Mae allowed a fraudulent student loan to be opened using my wifes identity as a co-signer without her authorization or knowledge."],"company_public_response":["Company believes <em>complaint</em> caused principally by actions of third party outside the control or direction of the company"]},"sort":[8.022588,"21389630"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":40,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":40}]}},"product":{"doc_count":40,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":19},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Student 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