{"took":101,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1091,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14192806","_score":20.548527,"_source":{"product":"Student loan","complaint_what_happened":"Formal Dispute and Request for Investigation Student Loan Accounts Due to XXXX Violation To Whom It May Concern, I am writing to formally dispute and request the removal and cancellation of student loan accounts reported by Georgia Student Finance on my credit report. My personal and financial data associated with these loans was compromised in a manner that violates the XXXX XXXX Rights and Privacy Act ( XXXX ). As a result, I am requesting the full cancellation of the student loan debt and immediate removal of these accounts from my credit file. \n\nPlease initiate an investigation into these accounts and their legitimacy given the privacy breach. Enclosed you will find documentation supporting my claim, including identification and any correspondence related to the data breach. \n\nI request a response within the XXXX timeframe as stipulated by the Fair Credit Reporting Act ( FCRA ). Please confirm the outcome of your investigation in writing.","date_sent_to_company":"2025-06-20T19:30:06.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"14192806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Georgia Student Finance Authority","date_received":"2025-06-20T19:21:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Formal Dispute and Request for <em>Investigation</em> <em>Student</em> <em>Loan</em> <em>Accounts</em> Due to XXXX <em>Violation</em> To <em>Whom</em> It May Concern, I am writing to formally dispute and request the removal and cancellation of <em>student</em> <em>loan</em> <em>accounts</em> reported by Georgia <em>Student</em> Finance on my credit report. My personal and financial data associated with these <em>loans</em> was compromised in a manner that <em>violates</em> the XXXX XXXX Rights and Privacy Act ( XXXX )."],"product":["<em>Student</em> <em>loan</em>"],"company":["Georgia <em>Student</em> Finance Authority"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[20.548527,"14192806"]},{"_index":"complaint-public-v1","_id":"14192477","_score":20.123817,"_source":{"product":"Student loan","complaint_what_happened":"Formal Dispute and Request for Investigation Student Loan Accounts Due to XXXX Violation To Whom It XXXX Concern, I am writing to formally dispute and request the removal and cancellation of student loan accounts reported by Edfinancial Services and XXXX XXXX on my credit report. My personal and financial data associated with these loans was compromised in a manner that violates the Family Educational Rights and Privacy Act ( FERPA ). As a result, I am requesting the full cancellation of the student loan debt and immediate removal of these accounts from my credit file.\n\nPlease initiate an investigation into these accounts and their legitimacy given the privacy breach. Enclosed you will find documentation supporting my claim, including identification and any correspondence related to the data breach.\n\nI request a response within the 30-day timeframe as stipulated by the Fair Credit Reporting Act ( FCRA ). Please confirm the outcome of your investigation in writing.","date_sent_to_company":"2025-06-20T19:43:11.000Z","issue":"Improper use of your report","sub_product":"Private student loan","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"14192477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-06-20T19:39:48.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Formal Dispute and Request for <em>Investigation</em> <em>Student</em> <em>Loan</em> <em>Accounts</em> Due to XXXX <em>Violation</em> To <em>Whom</em> It XXXX Concern, I am writing to formally dispute and request the removal and cancellation of <em>student</em> <em>loan</em> <em>accounts</em> reported by Edfinancial Services and XXXX XXXX on my credit report. My personal and financial data associated with these <em>loans</em> was compromised in a manner that <em>violates</em> the Family Educational Rights and Privacy Act ( FERPA )."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"]},"sort":[20.123817,"14192477"]},{"_index":"complaint-public-v1","_id":"7864126","_score":19.320307,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, this is a formal complaint that Transunion is in violation of 611 section 1681i ( A ) ( 1 ) ( a ). \nOn XX/XX/ I sent Trans Union a dispute dispute with the accuracy of student loans. I have several accounts reporting in accurate information and four of those accounts are duplicate student loan accounts therefore they are reporting inaccurate and incorrectly., I was in disagreement with the outcome of a investigation on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I requested this company to investigate this plight to which they did not comply and as doing such they knowingly violated my rights. this inaccuracies and incorrect information is damaging my reputation and I am been denied funding and other opportunities because of this","date_sent_to_company":"2023-11-15T08:28:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19464","tags":null,"has_narrative":true,"complaint_id":"7864126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-15T08:27:58.000Z","state":"PA","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":["To <em>whom</em> it may concern, this is a formal complaint that Transunion is in <em>violation</em> of 611 section 1681i ( A ) ( 1 ) ( a ). \nOn XX/XX/ I sent Trans Union a dispute dispute with the accuracy of <em>student</em> <em>loans</em>."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[19.320307,"7864126"]},{"_index":"complaint-public-v1","_id":"12034602","_score":18.982872,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Request for Student Loan Removal Due to FERPA Data Breach Violations To Whom It May Concern, I am writing to formally request the removal of student loans from my credit report due to violations of the Family Educational Rights and Privacy Act ( FERPA ) resulting in a data breach. The unauthorized exposure of student loan data constitutes a breach of my privacy rights and places my financial security at risk. As the credit reporting agencies responsible for maintaining accurate and fair consumer credit information, you are obligated to ensure that unlawfully obtained or improperly shared data is not used against consumers.\n\nThe violations related to this data breach include but are not limited to : Failure to protect personally identifiable information ( PII ) of students, in violation of FERPA regulations. \nUnauthorized access and dissemination of student loan information without proper consent. \nNegligence in ensuring the security and confidentiality of sensitive student loan records. \nDue to these violations, I demand that any and all student loan accounts associated with my credit file be permanently removed. The breach has compromised the integrity of this data, and continued reporting of these accounts causes undue financial harm. \nPlease consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a prompt investigation and written confirmation of the removal of the affected accounts within 30 days. If you require further documentation or information, please inform me in writing at the address listed above. \nThank you for your immediate attention to this matter. I look forward to your prompt response confirming the requested deletions. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-11T11:56:09.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"21218","tags":null,"has_narrative":true,"complaint_id":"12034602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-02-12T17:16:40.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Request for <em>Student</em> <em>Loan</em> Removal Due to FERPA Data Breach <em>Violations</em> To <em>Whom</em> It May Concern, I am writing to formally request the removal of <em>student</em> <em>loans</em> from my credit report due to <em>violations</em> of the Family Educational Rights and Privacy Act ( FERPA ) resulting in a data breach. The unauthorized exposure of <em>student</em> <em>loan</em> data constitutes a breach of my privacy rights and places my financial security at risk."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[18.982872,"12034602"]},{"_index":"complaint-public-v1","_id":"12588753","_score":18.886314,"_source":{"product":"Student loan","complaint_what_happened":"Complaint Regarding Unauthorized Access to XXXX XXXX XXXX Data & Request for Loan Dismissal To Whom It May Concern, I am submitting this complaint to formally report a violation of my privacy rights related to my student loan data and to request an investigation into the unauthorized access of my records by XXXX XXXX through the Department of Education. Additionally, I seek assistance in reviewing the legitimacy and possible dismissal of my student loans due to this breach. \n\n1. Privacy Violation & Unauthorized Access I recently became aware that my personal and financial data, specifically related to my federal student loans, was accessed by XXXX XXXX in a manner that I believe was unauthorized and unlawful. If my student loan information was improperly shared or accessed without my consent, this constitutes a severe breach of privacy laws, including but not limited to : The Family Educational Rights and Privacy Act ( FERPA ), which protects student records, The Fair Credit Reporting Act ( FCRA ), if this access involved my credit history, and The Gramm-Leach-Bliley Act ( GLBA ), which governs financial privacy.\n\nI am requesting a formal investigation into how my data was accessed, who authorized it, and what specific information was disclosed. This breach has caused me significant distress, and I demand corrective action.\n\n2. Request for Student Loan Dismissal Due to this privacy violation and possible mishandling of my student loan records, I request : A full review of my student loan accounts under the Department of Educations jurisdiction to determine if any fraudulent access, unauthorized alterations, or mismanagement occurred.\n\nA determination of eligibility for loan dismissal or discharge, as I believe this breach may qualify under mismanagement or unauthorized third-party access to federal student loan records.\n\nA written response from the Department of Education or the loan servicer explaining why my information was accessible to unauthorized individuals and how they intend to rectify this situation.\n\n3. Immediate Actions Requested I formally request the CFPB to : Investigate whether XXXX XXXX or any associated entity improperly accessed my student loan data. \n\nDetermine if my student loan servicer, the Department of Education, or any affiliated agency violated federal privacy laws. \n\nInitiate a student loan review process to assess whether my loans should be dismissed or discharged due to this breach.\n\nProvide a detailed response and any documentation confirming how my data was accessed and what steps will be taken to prevent further violations. \n\nI appreciate your prompt attention to this matter. Given the seriousness of this data breach and its impact on my financial standing, I request an expedited review and resolution. Please provide confirmation of receipt and updates on any investigative actions taken. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-20T21:23:28.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"97080","tags":null,"has_narrative":true,"complaint_id":"12588753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-20T21:15:20.000Z","state":"OR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Request for <em>Student</em> <em>Loan</em> Dismissal Due to this privacy <em>violation</em> and possible mishandling of my <em>student</em> <em>loan</em> records, I request : A full review of my <em>student</em> <em>loan</em> <em>accounts</em> under the Department of Educations jurisdiction to determine if any fraudulent access, unauthorized alterations, or mismanagement occurred."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[18.886314,"12588753"]},{"_index":"complaint-public-v1","_id":"16293038","_score":18.80848,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Complaint Regarding Student Loan Servicer Data Breach and Request for Loan Relief To Whom It May Concern, I am writing to file a complaint regarding the handling of my federal student loans. My personal and financial information was compromised as a result of the DOGE-related data breach and privacy violation. This breach represents a serious violation of my right to privacy and has caused my data to be exposed to identity theft risk, harassment, and fraud attempts. This data breach violates both FERPA and Title IV protections. \n\nMy servicer EdFinancial failed to adequately safeguard my personal data, creating unnecessary risk and financial harm. I request that the CFPB investigate this matter, hold my loan servicer accountable, and consider relief including loan forgiveness or discharge as a remedy for the damages caused.\n\nEnclosed are any supporting documents, breach notices, correspondence in support of this investigations.\n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX [ Loan Account Number ( XXXX ) ]","date_sent_to_company":"2025-10-01T16:29:32.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"16293038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-10-01T16:04:36.000Z","state":"NY","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["Subject : Complaint Regarding <em>Student</em> <em>Loan</em> Servicer Data Breach and Request for <em>Loan</em> Relief To <em>Whom</em> It May Concern, I am writing to file a complaint regarding the handling of my federal <em>student</em> <em>loans</em>. My personal and financial information was compromised as a result of the DOGE-related data breach and privacy <em>violation</em>. This breach represents a serious <em>violation</em> of my right to privacy and has caused my data to be exposed to identity theft risk, harassment, and fraud attempts."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Need information about your <em>loan</em> balance or <em>loan</em> terms"]},"sort":[18.80848,"16293038"]},{"_index":"complaint-public-v1","_id":"16260539","_score":18.637669,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Dispute of Inaccurate Student Loan Reporting To Whom It May Concern, I am disputing the accuracy of a student loan account that is currently being reported on mycredit file. This alleged debt is not properly validated and contains serious inaccuracies. \nSpecifically : - The terms and transfers of the loan have been misrepresented. \n- Possible FERPA violations occurred in connection with my educational records. \n- There are questions of unauthorized transfers and breach of trust. \nUnder the Fair Credit Reporting Act ( FCRA ), you are required to investigate this dispute. \nPlease contact the furnisher of this information and demand full proof of its accuracy. If they can not provide proper validation, the account must be deleted immediately from my creditreport. \nPlease provide me with written confirmation of your investigation and the results within the legally required XXXX period. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-30T23:47:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"16260539","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-30T23:47:12.000Z","state":"PA","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":["Re : Dispute of Inaccurate <em>Student</em> <em>Loan</em> Reporting To <em>Whom</em> It May Concern, I am disputing the accuracy of a <em>student</em> <em>loan</em> <em>account</em> that is currently being reported on mycredit file. This alleged debt is not properly validated and contains serious inaccuracies. \nSpecifically : - The terms and transfers of the <em>loan</em> have been misrepresented. \n- Possible FERPA <em>violations</em> occurred in connection with my educational records. \n- There are questions of unauthorized transfers and breach of trust."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[18.637669,"16260539"]},{"_index":"complaint-public-v1","_id":"12507049","_score":18.587145,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Formal Complaint Regarding Unauthorized Access to Private Student Loan Data & Request for Loan Forgiveness To Whom It May Concern, Mohela I am filing this formal complaint regarding the unauthorized access and misuse of my private student loan data. It has come to my attention that XXXX XXXX has accessed my personal and financial records through the U.S. Department of Education, violating my right to privacy and potentially breaching federal data protection laws. This is a serious matter, and I demand an immediate investigation into this unlawful access and misuse of my sensitive financial information. \nAdditionally, the improper handling of my student loan data has caused significant harm, including a drastic decline in my credit score and financial distress. Due to this privacy violation and the resulting damages, I formally request : The immediate removal of all student loan accounts from my credit report with all credit bureaus. \nFull forgiveness of my student loan balance due to this breach of privacy and the mishandling of my records. \nA pause on all repayment obligations until this matter is fully investigated and resolved. \nI expect a prompt and thorough investigation into this matter, along with a written response confirming the steps being taken to rectify the situation. If necessary, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal authorities to ensure my rights are protected. \nPlease confirm receipt of this letter and provide me with a timeline for your response. I appreciate your prompt attention to this urgent matter.","date_sent_to_company":"2025-03-16T14:11:50.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"12507049","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-16T13:49:41.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with your payment plan"},"highlight":{"complaint_what_happened":["This is a serious matter, and I demand an immediate <em>investigation</em> into this unlawful access and misuse of my sensitive financial information. \nAdditionally, the improper handling of my <em>student</em> <em>loan</em> data has caused significant harm, including a drastic decline in my credit score and financial distress. Due to this privacy <em>violation</em> and the resulting damages, I formally request : The immediate removal of all <em>student</em> <em>loan</em> <em>accounts</em> from my credit report with all credit bureaus."],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[18.587145,"12507049"]},{"_index":"complaint-public-v1","_id":"13566525","_score":18.502506,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to file a formal complaint against [ XXXX ] regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and to request that my student loan ( s ) be removed or discharged based on this violation.\n\nAccording to FERPA, students are guaranteed the right to privacy and protection of their educational records. However, I recently discovered that my rights were violated in the following way ( s ) : [ My personally identifiable information was disclosed to a third-party servicer without my written consent, and My student loan servicer accessed or shared my education records without my authorization. ] This disclosure was made without my knowledge or written consent, which is in direct violation of 20 U.S. Code 1232g and related FERPA regulations. Due to this breach, my data and financial obligations were misused, and I am now burdened with debt that was established or serviced unlawfully. \n\nAs such, I am requesting : 1. A full investigation into this FERPA violation.\n\n2. Removal or discharge of all associated student loan debt obtained or serviced in violation of my FERPA rights.\n\n3. Any supporting documentation or account information related to these unauthorized actions. \n4. Immediate cessation of all collections or reporting activity related to these loans until the matter is resolved.","date_sent_to_company":"2025-05-18T00:02:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"13566525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-18T00:01:45.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A full <em>investigation</em> into this FERPA <em>violation</em>.\n\n2. Removal or discharge of all associated <em>student</em> <em>loan</em> debt obtained or serviced in <em>violation</em> of my FERPA rights.\n\n3. Any supporting documentation or <em>account</em> information related to these unauthorized actions. \n4. Immediate cessation of all collections or reporting activity related to these <em>loans</em> until the matter is resolved."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.502506,"13566525"]},{"_index":"complaint-public-v1","_id":"13573271","_score":18.4757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to file a formal complaint against [ XXXX ] regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and to request that my student loan ( s ) be removed or discharged based on this violation.\n\nAccording to FERPA, students are guaranteed the right to privacy and protection of their educational records. However, I recently discovered that my rights were violated in the following way ( s ) : [ My personally identifiable information was disclosed to a third-party servicer without my written consent, and My student loan servicer accessed or shared my education records without my authorization. ] This disclosure was made without my knowledge or written consent, which is in direct violation of 20 U.S. Code 1232g and related FERPA regulations. Due to this breach, my data and financial obligations were misused, and I am now burdened with debt that was established or serviced unlawfully. \n\nAs such, I am requesting : 1. A full investigation into this FERPA violation.\n\n2. Removal or discharge of all associated student loan debt obtained or serviced in violation of my FERPA rights.\n\n3. Any supporting documentation or account information related to these unauthorized actions. \n4. Immediate cessation of all collections or reporting activity related to these loans until the matter is resolved.","date_sent_to_company":"2025-05-18T00:02:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"13573271","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T23:43:18.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A full <em>investigation</em> into this FERPA <em>violation</em>.\n\n2. Removal or discharge of all associated <em>student</em> <em>loan</em> debt obtained or serviced in <em>violation</em> of my FERPA rights.\n\n3. Any supporting documentation or <em>account</em> information related to these unauthorized actions. \n4. Immediate cessation of all collections or reporting activity related to these <em>loans</em> until the matter is resolved."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.4757,"13573271"]},{"_index":"complaint-public-v1","_id":"13566523","_score":18.4757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to file a formal complaint against [ XXXX ] regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and to request that my student loan ( s ) be removed or discharged based on this violation.\n\nAccording to FERPA, students are guaranteed the right to privacy and protection of their educational records. However, I recently discovered that my rights were violated in the following way ( s ) : [ My personally identifiable information was disclosed to a third-party servicer without my written consent, and My student loan servicer accessed or shared my education records without my authorization. ] This disclosure was made without my knowledge or written consent, which is in direct violation of 20 U.S. Code 1232g and related FERPA regulations. Due to this breach, my data and financial obligations were misused, and I am now burdened with debt that was established or serviced unlawfully. \n\nAs such, I am requesting : 1. A full investigation into this FERPA violation.\n\n2. Removal or discharge of all associated student loan debt obtained or serviced in violation of my FERPA rights.\n\n3. Any supporting documentation or account information related to these unauthorized actions. \n4. Immediate cessation of all collections or reporting activity related to these loans until the matter is resolved.","date_sent_to_company":"2025-05-18T00:02:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"13566523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-18T00:01:45.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A full <em>investigation</em> into this FERPA <em>violation</em>.\n\n2. Removal or discharge of all associated <em>student</em> <em>loan</em> debt obtained or serviced in <em>violation</em> of my FERPA rights.\n\n3. Any supporting documentation or <em>account</em> information related to these unauthorized actions. \n4. Immediate cessation of all collections or reporting activity related to these <em>loans</em> until the matter is resolved."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.4757,"13566523"]},{"_index":"complaint-public-v1","_id":"14218446","_score":18.42977,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Dispute of Student Loan Reporting Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the reporting of student loan accounts listed on my credit report. Upon reviewing my credit file, I noticed entries related to student loans that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these accounts based on the following legal grounds : 1. Lack of Written Consent FERPA Violation Under the Family Educational Rights and Privacy Act ( FERPA ), my education records, including student loan information, are protected. Disclosure of such records to third parties ( including credit bureaus ) without my explicit written consent is a direct violation of FERPA. I have never provided authorization to any educational institution, loan servicer, or third-party entity to share or report my student loan information to your bureau.\n\n2. Violation of 15 U.S. Code 1650 According to 15 USC 1650, there are specific limitations regarding the reporting and use of student loan data. Reporting entities must comply with federal restrictions and consumer protections surrounding student loan disclosures. I am asserting my rights under this law as the reporting of this information was done without my informed consent and without proper legal basis.\n\nBecause of the reasons above, I am demanding the following action : Immediate investigation and removal of the student loan accounts reported without authorization.\n\nA written response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ), outlining the outcome of your investigation.\n\nPlease consider this letter as a formal dispute of the accuracy and legality of the student loan accounts on my credit file. I also request that you provide me with the name and contact information of the furnisher of this data and the documentation they used to verify their right to report this information.\n\nI expect your timely response and resolution to this matter in accordance with federal law. Thank you for your attention. \n\nSincerely, XXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/XXXX","date_sent_to_company":"2025-06-22T20:20:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"14218446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-22T20:19:59.000Z","state":"TX","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":["XXXX XXXX XXXX, PA XXXX RE : Dispute of <em>Student</em> <em>Loan</em> Reporting Request for Immediate Removal To <em>Whom</em> It May Concern, I am writing to formally dispute the reporting of <em>student</em> <em>loan</em> <em>accounts</em> listed on my credit report. Upon reviewing my credit file, I noticed entries related to <em>student</em> <em>loans</em> that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these <em>accounts</em> based on the following legal grounds : 1."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[18.42977,"14218446"]},{"_index":"complaint-public-v1","_id":"14218445","_score":18.42977,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Dispute of Student Loan Reporting Request for Immediate Removal To Whom It XXXX Concern, I am writing to formally dispute the reporting of student loan accounts listed on my credit report. Upon reviewing my credit file, I noticed entries related to student loans that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these accounts based on the following legal grounds : 1. Lack of Written Consent FERPA Violation Under the Family Educational Rights and Privacy Act ( FERPA ), my education records, including student loan information, are protected. Disclosure of such records to third parties ( including credit bureaus ) without my explicit written consent is a direct violation of FERPA. I have never provided authorization to any educational institution, loan servicer, or third-party entity to share or report my student loan information to your bureau.\n\n2. Violation of 15 U.S. Code 1650 According to 15 USC 1650, there are specific limitations regarding the reporting and use of student loan data. Reporting entities must comply with federal restrictions and consumer protections surrounding student loan disclosures. I am asserting my rights under this law as the reporting of this information was done without my informed consent and without proper legal basis.\n\nBecause of the reasons above, I am demanding the following action : Immediate investigation and removal of the student loan accounts reported without authorization.\n\nA written response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ), outlining the outcome of your investigation.\n\nPlease consider this letter as a formal dispute of the accuracy and legality of the student loan accounts on my credit file. I also request that you provide me with the name and contact information of the furnisher of this data and the documentation they used to verify their right to report this information. \n\nI expect your timely response and resolution to this matter in accordance with federal law. Thank you for your attention. \n\nSincerely, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX : XX/XX/XXXX","date_sent_to_company":"2025-06-22T20:20:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"14218445","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-22T20:19:59.000Z","state":"TX","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":["XXXX XXXX XXXX, PA XXXX RE : Dispute of <em>Student</em> <em>Loan</em> Reporting Request for Immediate Removal To <em>Whom</em> It XXXX Concern, I am writing to formally dispute the reporting of <em>student</em> <em>loan</em> <em>accounts</em> listed on my credit report. Upon reviewing my credit file, I noticed entries related to <em>student</em> <em>loans</em> that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these <em>accounts</em> based on the following legal grounds : 1."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[18.42977,"14218445"]},{"_index":"complaint-public-v1","_id":"14218444","_score":18.424484,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Dispute of Student Loan Reporting Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the reporting of student loan accounts listed on my credit report. Upon reviewing my credit file, I noticed entries related to student loans that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these accounts based on the following legal grounds : 1. Lack of Written Consent FERPA Violation Under the Family Educational Rights and Privacy Act ( FERPA ), my education records, including student loan information, are protected. Disclosure of such records to third parties ( including credit bureaus ) without my explicit written consent is a direct violation of FERPA. I have never provided authorization to any educational institution, loan servicer, or third-party entity to share or report my student loan information to your bureau.\n\n2. Violation of 15 U.S. Code 1650 According to 15 USC 1650, there are specific limitations regarding the reporting and use of student loan data. Reporting entities must comply with federal restrictions and consumer protections surrounding student loan disclosures. I am asserting my rights under this law as the reporting of this information was done without my informed consent and without proper legal basis.\n\nBecause of the reasons above, I am demanding the following action : Immediate investigation and removal of the student loan accounts reported without authorization.\n\nA written response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ), outlining the outcome of your investigation.\n\nPlease consider this letter as a formal dispute of the accuracy and legality of the student loan accounts on my credit file. I also request that you provide me with the name and contact information of the furnisher of this data and the documentation they used to verify their right to report this information. \n\nI expect your timely response and resolution to this matter in accordance with federal law. Thank you for your attention. \n\nSincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX","date_sent_to_company":"2025-06-22T20:20:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"14218444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-22T20:19:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, PA XXXX RE : Dispute of <em>Student</em> <em>Loan</em> Reporting Request for Immediate Removal To <em>Whom</em> It May Concern, I am writing to formally dispute the reporting of <em>student</em> <em>loan</em> <em>accounts</em> listed on my credit report. Upon reviewing my credit file, I noticed entries related to <em>student</em> <em>loans</em> that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these <em>accounts</em> based on the following legal grounds : 1."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[18.424484,"14218444"]},{"_index":"complaint-public-v1","_id":"12486425","_score":18.174131,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to file a complaint regarding a serious privacy violation involving my student loan records. It has come to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has accessed student loan records without proper authorization, which I believe is a violation of my privacy rights. \n\nDetails of the Complaint : Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Incident : XX/XX/year> Description : On XX/XX/year>, I became aware that my student loan records were accessed by XXXX without my consent. This unauthorized access has caused me significant concern regarding the security and confidentiality of my personal information. Impact : The unauthorized access to my student loan records has caused me distress and anxiety about the potential misuse of my personal information. I am concerned about the potential for identity theft and other privacy breaches as a result of this incident. Requested Action : I request an immediate investigation into this matter to determine how and why my student loan records were accessed without authorization. I ask that appropriate measures be taken to prevent such privacy violations in the future. I seek assurance that my personal information will be protected and that any unauthorized access will be rectified. \n\nThank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.","date_sent_to_company":"2025-03-14T17:59:48.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"12486425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-14T17:52:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May Concern, I am writing to file a complaint regarding a serious privacy <em>violation</em> involving my <em>student</em> <em>loan</em> records. It has come to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has accessed <em>student</em> <em>loan</em> records without proper authorization, which I believe is a <em>violation</em> of my privacy rights."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[18.174131,"12486425"]},{"_index":"complaint-public-v1","_id":"13994705","_score":18.155342,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute certain information on my credit report regarding student loan accounts serviced by Nelnet, which appear under my name. These accounts are reported inaccurately due to a violation of the Family Educational Rights and Privacy Act ( FERPA ) and should be investigated and removed from my credit report as appropriate.\n\nRecently, I became aware of a breach of my personally identifiable information by Nelnet, which constitutes a violation under FERPA. As a result, my private student data may have been exposed without my consent, calling into question the legitimacy and security of the student loan records being reported.\n\nThe following accounts are being disputed : Creditor Name : Nelnet Disputed Issue : Inaccurate reporting due to data privacy violation ( FERPA breach ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit file. I request that you conduct an investigation into these accounts, including verifying the validity of the loans and Nelnets authority to report them in light of this FERPA violation.\n\nPlease find enclosed copies of relevant documentation supporting my dispute : A copy of my credit report with the disputed Nelnet accounts highlighted I request that the above items be thoroughly investigated and removed from my credit report if found unverifiable or improperly reported. Please provide me with the results of your investigation in writing within the required XXXX period. \n\nThank you for your attention to this matter. \n\nSincerely,","date_sent_to_company":"2025-06-10T19:09:54.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"39213","tags":"Servicemember","has_narrative":true,"complaint_id":"13994705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-06-10T18:51:03.000Z","state":"MS","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May Concern, I am writing to formally dispute certain information on my credit report regarding <em>student</em> <em>loan</em> <em>accounts</em> serviced by Nelnet, which appear under my name. These <em>accounts</em> are reported inaccurately due to a <em>violation</em> of the Family Educational Rights and Privacy Act ( FERPA ) and should be <em>investigated</em> and removed from my credit report as appropriate."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[18.155342,"13994705"]},{"_index":"complaint-public-v1","_id":"15659144","_score":18.1381,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Dispute of Inaccurate Student Loan Reporting Bankruptcy vs. Deferred To Whom It May Concern, I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, to formally dispute the reporting of a student loan appearing on my credit file.\n\nThe tradeline in question is being reported as both Bankruptcy and Deferred. This is inaccurate, misleading, and violates the Metro 2 Credit Reporting Resource Guide. \nI am currently enrolled in school, and my loan is in an approved deferment status. \nUnder Metro 2 standards, an account can not simultaneously be coded as Bankruptcy ( Compliance Condition Code ) and Deferred ( Account Status ). These are mutually exclusive statuses. \nReporting both together is contradictory and creates a false impression that my student loan has been legally discharged when in fact it is simply in deferment. \nThis erroneous reporting is harming my credit profile and constitutes a violation of the FCRAs requirement for maximum possible accuracy. \nRequested Action : Immediately investigate and correct this reporting. \nUpdate the tradeline to reflect Deferred ( due to school enrollment ) only. \nIf you can not verify accurate Metro 2 compliance from the furnisher, you must delete the inaccurate tradeline. \nPlease provide me with written confirmation of your investigation results and the corrective actions taken.","date_sent_to_company":"2025-09-02T14:50:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"15659144","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-02T14:49:56.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["Re : Formal Dispute of Inaccurate <em>Student</em> <em>Loan</em> Reporting Bankruptcy vs. Deferred To <em>Whom</em> It May Concern, I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, to formally dispute the reporting of a <em>student</em> <em>loan</em> appearing on my credit file.\n\nThe tradeline in question is being reported as both Bankruptcy and Deferred. This is inaccurate, misleading, and <em>violates</em> the Metro 2 Credit Reporting Resource Guide."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[18.1381,"15659144"]},{"_index":"complaint-public-v1","_id":"13738274","_score":18.062222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate and Unauthorized Reporting of Student Loans To Whom It May Concern, I am writing to formally dispute the reporting of two student loan accounts on my Equifax credit report. These accounts are not reported by Experian or TransUnion, both of which removed the student loans from my profile due to a FERPA violation. The continued reporting of these accounts exclusively by Equifax creates a discrepancy that violates my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), if applicable, as well as Regulation F.\n\nHere are the specific issues : - The student loans are reported differently across the three credit bureaus, creating a false and misleading representation of my credit profile.\n\n- I did not authorize Equifax or any third party to access or report these student loan accounts, which may constitute a violation of my privacy rights and FERPA protections.\n\n- The inconsistent reporting between the three credit bureaus constitutes a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. \n- If Equifax obtained or shared these student loan records without my explicit consent, it may be in violation of the Family Educational Rights and Privacy Act ( FERPA ).\n\n- Regulation F 1006.30 ( a ) prohibits furnishing information that is false, misleading, or lacking integrity.\n\n- If these accounts were furnished by a third-party debt collector, and inaccurate or unverified, they may also violate FDCPA 807 ( 8 ) and 809 ( b ), which regulate accurate debt validation and prohibit misleading credit reporting.\n\nI demand that Equifax immediately reinvestigate the legitimacy and accuracy of these student loan entries. If you can not verify these accounts with complete documentation and authorization under FERPA and the FCRA, they must be permanently removed from my credit file. \n\nPlease provide written confirmation of the results of your investigation, as well as a revised copy of my credit report. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-27T17:03:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60827","tags":null,"has_narrative":true,"complaint_id":"13738274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-27T16:54:22.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Formal Dispute of Inaccurate and Unauthorized Reporting of <em>Student</em> <em>Loans</em> To <em>Whom</em> It May Concern, I am writing to formally dispute the reporting of two <em>student</em> <em>loan</em> <em>accounts</em> on my Equifax credit report. These <em>accounts</em> are not reported by Experian or TransUnion, both of which removed the <em>student</em> <em>loans</em> from my profile due to a FERPA <em>violation</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.062222,"13738274"]},{"_index":"complaint-public-v1","_id":"12927518","_score":17.987919,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up to CFPB Complaint Regarding XXXX and Request for Immediate Action To Whom It May Concern, I am writing to formally follow up on a student loan servicing complaint I submitted to the Consumer Financial Protection Bureau regarding XXXX. My original complaint centered on serious privacy violations, mishandling of my account, and the absence of a timely and thorough investigation.\n\nIt has now been nearly 90 days since my initial complaint, and the only response I have received is that XXXX is still researching the issue. Shortly thereafter, the CFPB closed the case. I find this not only unacceptable but also in direct violation of regulatory obligations under both federal privacy and consumer protection laws.\n\nSpecifically, I alleged that unauthorized access to my student loan records occurred, implicating well-known individuals ( including XXXX XXXX  and associations with DOGE ) in the misuse or access of my personally identifiable information without consent. This is a potential violation of the Family Educational Rights and Privacy Act ( FERPA ), which explicitly protects student education records from unauthorized disclosure. The severity of this allegation should have triggered a full and formal investigation.\n\nAdditionally, under 20 U.S. Code 1087e ( f ) and related Department of Education guidelines, student loan servicers like XXXX are required to conduct fair, prompt, and complete investigations into disputes related to loan servicing and borrower records. In this case, not only has a reasonable investigation not been conducted, but there has been an apparent dismissal of my rights as a borrower and consumer.\n\nI request the following : Immediate Reopening of My CFPB Complaint The case was prematurely closed without due diligence. I request that the complaint be reopened for full investigation.\n\nIndependent Investigation Into FERPA Violation I demand an independent and thorough inquiry into the unauthorized access to my student loan records and whether any parties gained access or used the data unlawfully.\n\nLoan Forgiveness Based on Data Breach and Mishandling Given the egregious nature of the violationsincluding the failure to safeguard my personal and financial informationI am requesting complete forgiveness of my student loans serviced by XXXX. Such breaches and systemic failures disqualify the servicer from continuing to administer my loans.\n\nI am prepared to escalate this matter to my congressional representatives, the U.S. Department of Education, and relevant media outlets if no immediate action is taken. The protection of borrower data and the enforcement of fair treatment is not optional. I trust the CFPB will do what is right and protect consumers from negligent or unlawful practices by federal student loan servicers.\n\nPlease confirm receipt of this letter and provide a direct contact or case number for follow-up. I am requesting a written response within 14 days.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-10T16:30:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30040","tags":null,"has_narrative":true,"complaint_id":"12927518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-10T16:30:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up to CFPB Complaint Regarding XXXX and Request for Immediate Action To <em>Whom</em> It May Concern, I am writing to formally follow up on a <em>student</em> <em>loan</em> servicing complaint I submitted to the Consumer Financial Protection Bureau regarding XXXX. My original complaint centered on serious privacy <em>violations</em>, mishandling of my <em>account</em>, and the absence of a timely and thorough <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"]},"sort":[17.987919,"12927518"]},{"_index":"complaint-public-v1","_id":"13649407","_score":17.959469,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Student Loan Reporting and Unauthorized Record Access To Whom It May Concern, I am writing to formally dispute several inaccuracies and serious concerns related to the reporting of student loan accounts on my credit reports maintained by your agency. My credit file contains the following errors and violations, which I demand be investigated and corrected immediately : XXXX. Inconsistent and Inaccurate Student Loan Reporting There are discrepancies in the way my student loans are being reported across XXXX, Equifax, and XXXX. The information regarding balances, lenders, account statuses, and dates opened is not consistent across all three bureaus. I request that you investigate and reconcile these inconsistencies and provide documentation to support the accuracy of the reporting. XXXX. Falsified Payment History My credit report inaccurately reflects a payment history for student loans that I have never made. I have never paid a single dollar toward any student loan, and this reporting is factually incorrect. The inclusion of these payments is a violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents my payment behavior and financial status. I request immediate removal or correction of this false payment history. XXXX. Unauthorized Access to Student, Financial, and IRS Records Additionally, I have reason to believe that my educational records ( protected under XXXX ), financial records, and IRS information have been accessed without my explicit written consent. Specifically : My student records have been accessed by third parties, including the Department of Justice ( DOJ ), without lawful justification or proper authorization. This unauthorized access represents a serious violation of the Family Educational Rights and Privacy Act ( FERPA ), which guarantees my right to privacy and consent regarding the disclosure of my educational records. These matters not only represent inaccurate and harmful credit reporting, but also constitute possible violations of federal privacy laws, including the FCRA, FERPA, and applicable IRS confidentiality provisions. Requested Action I respectfully demand that you : Investigate and correct all discrepancies in student loan reporting across your agency. Remove any and all false payment history from my student loan accounts. Provide documentation of any access to my educational or financial records associated with credit reporting or verification. Remove any data acquired through unauthorized or unlawful access to my records. I have enclosed copies of my government-issued ID and a utility bill for identity verification. Please provide a response in writing within XXXX  days, as required by the Fair Credit Reporting Act. If these inaccuracies and privacy violations are not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and potentially seek legal counsel for the violation of my rights. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX","date_sent_to_company":"2025-05-21T23:59:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13649407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-21T23:56:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate <em>Student</em> <em>Loan</em> Reporting and Unauthorized Record Access To <em>Whom</em> It May Concern, I am writing to formally dispute several inaccuracies and serious concerns related to the reporting of <em>student</em> <em>loan</em> <em>accounts</em> on my credit reports maintained by your agency. My credit file contains the following errors and <em>violations</em>, which I demand be <em>investigated</em> and corrected immediately : XXXX."]},"sort":[17.959469,"13649407"]},{"_index":"complaint-public-v1","_id":"13631107","_score":17.940598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX. XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXXXXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Student Loan Reporting and Unauthorized Record Access To Whom It May Concern, I am writing to formally dispute several inaccuracies and serious concerns related to the reporting of student loan accounts on my credit reports maintained by your agency. My credit file contains the following errors and violations, which I demand be investigated and corrected immediately : 1. Inconsistent and Inaccurate Student Loan Reporting There are discrepancies in the way my student loans are being reported across XXXX XXXX, and TransUnion. The information regarding balances, lenders, account statuses, and dates opened is not consistent across all three bureaus. I request that you investigate and reconcile these inconsistencies and provide documentation to support the accuracy of the reporting. \n\n\n\n2. Falsified Payment History My credit report inaccurately reflects a payment history for student loans that I have never made. I have never paid a single dollar toward any student loan, and this reporting is factually incorrect. The inclusion of these payments is a violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents my payment behavior and financial status. I request immediate removal or correction of this false payment history. \n\n\n\n3. Unauthorized Access to Student, Financial, and IRS Records Additionally, I have reason to believe that my educational records ( protected under FERPA ), financial records, and IRS information have been accessed without my explicit written consent. Specifically : My student records have been accessed by third parties, including the Department of Justice ( DOJ ), without lawful justification or proper authorization.\n\nThis unauthorized access represents a serious violation of the Family Educational Rights and Privacy Act ( FERPA ), which guarantees my right to privacy and consent regarding the disclosure of my educational records.\n\nThese matters not only represent inaccurate and harmful credit reporting, but also constitute possible violations of federal privacy laws, including the FCRA, FERPA, and applicable IRS confidentiality provisions.\n\nRequested Action I respectfully demand that you : Investigate and correct all discrepancies in student loan reporting across your agency.\n\nRemove any and all false payment history from my student loan accounts.\n\nProvide documentation of any access to my educational or financial records associated with credit reporting or verification.\n\nRemove any data acquired through unauthorized or unlawful access to my records.\n\nI have enclosed copies of my government-issued ID and a utility bill for identity verification. Please provide a response in writing within 30 days, as required by the Fair Credit Reporting Act.\n\nIf these inaccuracies and privacy violations are not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and potentially seek legal counsel for the violation of my rights.\n\nThank you for your prompt attention to this urgent matter. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-21T23:56:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13631107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-21T23:48:41.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate <em>Student</em> <em>Loan</em> Reporting and Unauthorized Record Access To <em>Whom</em> It May Concern, I am writing to formally dispute several inaccuracies and serious concerns related to the reporting of <em>student</em> <em>loan</em> <em>accounts</em> on my credit reports maintained by your agency. My credit file contains the following errors and <em>violations</em>, which I demand be <em>investigated</em> and corrected immediately : 1."]},"sort":[17.940598,"13631107"]},{"_index":"complaint-public-v1","_id":"20694519","_score":17.88677,"_source":{"product":"Student loan","complaint_what_happened":"Formal Complaint Inaccurate Student Loan Reporting and Improper Collection Activity To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting and improper collection activity related to my student loan account. \n\nThe student loan accounts in question were paid in full/discharged by the U.S. Department of Education . The loan servicer received this payment and the account balance was satisfied. However, despite the loan being paid, the servicer subsequently transferred the account to a collection agency and it is now being reported as a delinquent collection account. This is inaccurate because no balance was owed at the time the account was placed into collections.I have disputed this inaccurate information with the credit reporting agencies, including XX/XX/XXXX, and XX/XX/XXXX. However, the disputes were investigated and returned as verified, despite the fact that the information being reported is incorrect. \n\nThis situation is causing significant harm to my credit profile and financial standing. Reporting a paid or XXXX loan as an active collection account is misleading and violates my rights under the Fair Credit Reporting Act. \n\nThe following amounts are listed for each Loan ; XXXX. {$1900.00} XXXX {$2200.00} XXXX {$3800.00} Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-03-26T21:04:44.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"32812","tags":null,"has_narrative":true,"complaint_id":"20694519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-03-26T20:49:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Formal Complaint Inaccurate <em>Student</em> <em>Loan</em> Reporting and Improper Collection Activity To <em>Whom</em> It May Concern, I am submitting this complaint regarding inaccurate credit reporting and improper collection activity related to my <em>student</em> <em>loan</em> <em>account</em>. \n\nThe <em>student</em> <em>loan</em> <em>accounts</em> in question were paid in full/discharged by the U.S. Department of Education . The <em>loan</em> servicer received this payment and the <em>account</em> balance was satisfied."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[17.88677,"20694519"]},{"_index":"complaint-public-v1","_id":"17258357","_score":17.738272,"_source":{"product":"Student loan","complaint_what_happened":"YOUR COMPLAINT To Whom It May Concern, Re : Formal Dispute and Request for Full Student Loan Discharge Due to Unauthorized Disclosure and Breach of Personal Information I am writing to formally dispute my federal student loans and request a complete discharge of the balance due to the unauthorized disclosure, mishandling, and breach of my personal, educational, and financial information. This breach occurred without my consent and directly violates several federal laws that are intended to protect student borrowers.\n\nBecause these violations have compromised my privacy, financial security, and legal rights, I am requesting an immediate cancellation and discharge of my student loan debt. Below are the grounds for my request : 1. Violation of the Family Educational Rights and Privacy Act ( FERPA ) My student records were accessed and shared without my authorization. FERPA strictly protects the confidentiality of educational information, and this unauthorized disclosure constitutes a clear violation of my rights under federal law.\n\n2. Breach of the Privacy Act of 1974 My personal and financial data were improperly accessed, handled, or shared without my consent. This breach violates the Privacy Act, which mandates that federal agencies and affiliated entities safeguard personal information and restrict unauthorized disclosures.\n\n3. Violation of the Higher Education Act ( HEA ) As a federal student loan borrower, my information is required to be protected under the HEA. The mishandling of my data demonstrates non-compliance with these protections and constitutes a failure to uphold federal standards.\n\n4. Negligence and Breach of Contract The institution or entity responsible for maintaining and securing my information failed to do so. This negligence has jeopardized my financial stability and placed me at serious risk of identity theft, fraud, and long-term financial harm.\n\nBecause of these significant legal and procedural violations, I am requesting the following : Immediate investigation into the breach of my information Full cancellation and discharge of my federal student loans Written confirmation of the actions taken on my account Please process this request as soon as possible and inform me of any additional documentation you may require. I expect all collection activity to cease during the investigation of this dispute.\n\nThank you for your immediate attention to this matter. I look forward to your prompt response. \n\nSincerely, [ XXXX XXXX ]","date_sent_to_company":"2025-11-14T16:52:28.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"17258357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-11-14T16:26:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Because of these significant legal and procedural <em>violations</em>, I am requesting the following : Immediate <em>investigation</em> into the breach of my information Full cancellation and discharge of my federal <em>student</em> <em>loans</em> Written confirmation of the actions taken on my <em>account</em> Please process this request as soon as possible and inform me of any additional documentation you may require. I expect all collection activity to cease during the <em>investigation</em> of this dispute."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[17.738272,"17258357"]},{"_index":"complaint-public-v1","_id":"12993751","_score":17.705717,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Complaint Regarding Fraudulent Student Loan Reporting by MOHELA To whom it may concern, I am writing to file a formal complaint against MOHELA ( Missouri Higher Education Loan Authority ) for reporting false and fraudulent information on my credit report. I have never opened any student loan accounts with MOHELA, nor have I ever authorized them to open or service any loan on my behalf. \n\nDespite this, they are currently reporting student loan accounts under my name, which is a gross misrepresentation and a violation of the Fair Credit Reporting Act ( FCRA ). This is not only inaccurateit is illegal. I am being falsely associated with debt I did not incur, which is damaging my credit and potentially my financial future. \n\nI demand an immediate investigation into this matter, and I expect the removal of this fraudulent information from all of my credit reports. I also expect MOHELA to be held accountable for their negligent and unlawful reporting practices. \n\nThis situation is unacceptable, and I will pursue further legal action if necessary. I will not tolerate being falsely reported and penalized for a debt that does not belong to me.","date_sent_to_company":"2025-04-15T17:39:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94043","tags":null,"has_narrative":true,"complaint_id":"12993751","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-04-15T17:29:25.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : Urgent Complaint Regarding Fraudulent <em>Student</em> <em>Loan</em> Reporting by MOHELA To <em>whom</em> it may concern, I am writing to file a formal complaint against MOHELA ( Missouri Higher Education <em>Loan</em> Authority ) for reporting false and fraudulent information on my credit report. I have never opened any <em>student</em> <em>loan</em> <em>accounts</em> with MOHELA, nor have I ever authorized them to open or service any <em>loan</em> on my behalf."]},"sort":[17.705717,"12993751"]},{"_index":"complaint-public-v1","_id":"13034703","_score":17.682764,"_source":{"product":"Student loan","complaint_what_happened":"b'Subject: Request for Immediate Removal of Student Loan Account from Credit Report Due to FERPA Violation\\n\\nTo Whom It May Concern,\\n\\nI am formally disputing a student loan account listed on my credit report. This account was accessed without my knowledge or consent, which is a direct violation of my rights under the Family Educational Rights and Privacy Act (FERPA), 20 U.S.C.  1232g.\\nSpecifically, I have submitted a FERPA complaint to the U.S.\\nDepartment of Education regarding unauthorized access to my student loan records by XXXX XXXX or affiliated parties.\\nAccessing or sharing educational records without written permission is illegal under federal law.\\nDue to this privacy violation, I am requesting the immediate removal of the student loan account from my credit report.\\nThis account should not remain on my record while there is an active investigation into illegal access of my private information.\\nPlease remove the following account:\\n\\nXXXX\\nDEPTEDNELNET\\nXXXX XXXX XXXX NE XXXX  USA\\n(XXXX XXXXXXXX\\n\\nUnder both the Fair Credit Reporting Act (FCRA) and FERPA, I have a legal right to dispute and block the reporting of any account involving unauthorized access. If this item is not removed, I will escalate with legal counsel and additional complaints to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC).\\n\\nThank you, \\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-04-17T21:38:07.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"21740","tags":null,"has_narrative":true,"complaint_id":"13034703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-17T21:26:28.000Z","state":"MD","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["b'Subject: Request for Immediate Removal of <em>Student</em> <em>Loan</em> <em>Account</em> from Credit Report Due to FERPA <em>Violation</em>\\n\\nTo <em>Whom</em> It May Concern,\\n\\nI am formally disputing a <em>student</em> <em>loan</em> <em>account</em> listed on my credit report. This <em>account</em> was accessed without my knowledge or consent, which is a direct <em>violation</em> of my rights under the Family Educational Rights and Privacy Act (FERPA), 20 U.S.C.  1232g.\\nSpecifically, I have submitted a FERPA complaint to the U.S."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[17.682764,"13034703"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1091,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1091}]}},"product":{"doc_count":1091,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":828,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":826},{"key":"Other 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