Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12075188
Complaint Overview
Complaint ID: 12075188
Company: Servicer Under Contract With Federal Student Aid
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30344
Date Received: 2025-02-11T12:00:00-05:00
Date Sent to Company: 2025-03-24T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Credit Bureau Representative I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit profile. Per my rights under 16 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of the erroneous information. The specific inaccurate information is as follows : 1. US DEPARTMENT OF EDUCATION XX/XX/year> {$4000.00} 2. US DEPARTMENT OF EDUCATION XX/XX/year> {$7300.00} Under 16 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ), upon being notified of a dispute, the credit bureau must investigate the accuracy of the reported information and correct any inaccuracies in a timely manner. I have attached copies of relevant documents ( e.g., statements, proof of payment, identity verification documents ) to support my claim. Please remove or correct the inaccurate information immediately and provide written confirmation of the corrections. If the disputed information can not be verified, I expect it to be deleted in accordance with the FCRA. Please respond to my request within the legally required timeframe. If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12075188 about?
Complaint #12075188 was filed against Servicer Under Contract With Federal Student Aid regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-02-11T12:00:00-05:00.
How did Servicer Under Contract With Federal Student Aid respond to this complaint?
The company responded with: "Untimely response". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Servicer Under Contract With Federal Student Aid?
Yes, visit the Servicer Under Contract With Federal Student Aid company profile at readthecomplaint.com/company/servicer-under-contract-with-federal-student-aid to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.