Debt collection -- Written notification about debt -- Complaint #13947256
Complaint Overview
Complaint ID: 13947256
Company: Servicer Under Contract With Federal Student Aid
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Texas
ZIP Code: 76052
Date Received: 2025-06-06T12:00:00-05:00
Date Sent to Company: 2025-06-06T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2025 DPT EDXXXX Dear DPT EDXXXX, I am writing to formally dispute inaccuracies on my credit report, specifically multiple violations of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). After consulting with a legal advisor, I want to highlight pertinent consumer laws designed to protect individuals in credit transactions. Truth in Lending Act ( TILA ) Violations : Under 15 USC 1666 ( b ) and 15 USC 1637 ( a ) ( a ), it is clearly stated that reporting a payment as late on an open-ended credit plan is impermissible. The law specifically addresses : Billing errors, including the failure to properly reflect a payment made by the obligor or a credit issued to the obligor. Computation errors or similar accounting errors on a statement. Fair Credit Reporting Act ( FCRA ) Violations : According to 15 USC 1681b, consumer consent is required before furnishing information on their behalf. To date, I have not granted such authorization to DPT ED/XXXX. Additionally, under 15 USC 1681c ( a ) ( 4 ), adverse information more than seven years old must be excluded from the report. Your failure to comply with these regulations has adversely affected my financial standing and the accuracy of my consumer report. This letter serves as a formal request to correct the inaccuracies in the following listings on my report : 1. Name of Account : DPT EDXXXXXXXX, Account Number : XXXX 2. Name of Account : DPT EDXXXX, Account Number : XXXX 3. Name of Account : DPT EDXXXX, Account Number : XXXX 4. Name of Account : DPT EDXXXX, Account Number : XXXX 5. Name of Account : DPT EDXXXX, Account Number : XXXX XXXX. Name of Account : DPT EDXXXX, Account Number : XXXX 7. Name of Account : DPT EDXXXX, Account Number : XXXX 8. Name of Account : DPT EDXXXX, Account Number : XXXX 9. Name of Account : DPT EDXXXX, Account Number : XXXX Please provide the following as proof of due diligence in maintaining the accuracy of my report : Evidence that DPT EDXXXX notified me 21 days in advance with a statement. A copy of the creditors payment ledger. As a consumer, I am legally entitled to have these inaccuracies corrected or deleted immediately. Failure to do so will result in my seeking monetary compensation for the violation of my rights in small claims court in Haslet, Texas under 15 USC 1681n ( civil liability ). For your reference, here are the relevant legal provisions : 15 USC 1666 ( b ) Billing Error 15 USC 1637 ( a ) ( a ) Disclosure requirements 15 USC 1681c ( a ) ( 4 ) Exclusion of adverse information after seven years Do not send any response attempting to delay or stall this process. I have included my ID and SSN for your verification. Any stall letter received will further indicate non-compliance with your duties. I will retain a copy of this letter for legal purposes. Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. Kindly address this matter with the utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute.
Frequently Asked Questions
What is Complaint #13947256 about?
Complaint #13947256 was filed against Servicer Under Contract With Federal Student Aid regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-06-06T12:00:00-05:00.
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 (Debt collection) 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.