Student loan -- Incorrect information on your report -- Complaint #13766405
Complaint Overview
Complaint ID: 13766405
Company: Edfinancial Services
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: 77346
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
EdFinancial reported XXXX different times on my credit report that I was delinquent on my accounts. Due to XXXX XXXX there was a forebearance on the student loans. I never received anything " in writing '' via USPS. Apparently, I was being sent emails to remind me of my payments but were going to my junk folder so I never saw them. I would have expected EdFinancial to have sent a written letter via US Postal Service that my loans were overdue, as per our agreement when I initially signed my agreement for student loans. I never recieved anything and only found out about the past due loans when EdFinancial reported to the credit agencies. I called EdFinancial and spoke to a representative who informed me that based on their records, the reporting was accurate and that they would not reverse their reporting. Again, nothing was sent " in writing '' via USPS and only via email which went to my junk folder. I would like some assistance as I have found many others with this same problem. They also reported each individual loan so now there are XXXX negative items on my credit report vs only XXXX. I understand there are XXXX separate ones but when a bill comes across its XXXX payment for all loans. I don't see why they would report XXXX separate ones either.
Frequently Asked Questions
What is Complaint #13766405 about?
Complaint #13766405 was filed against Edfinancial Services regarding Student loan specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-27T12:00:00-05:00.
How did Edfinancial Services respond to this complaint?
The company responded with: "Closed with explanation". The response was 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 (Student loan) and describe your issue in detail.
Can I see other complaints against Edfinancial Services?
Yes, visit the Edfinancial Services company profile at readthecomplaint.com/company/edfinancial-services 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.