Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14561498
Complaint Overview
Complaint ID: 14561498
Company: Servicer Under Contract With Federal Student Aid
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Illinois
ZIP Code: 61821
Date Received: 2025-07-09T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Between XXXX and XX/XX/year>, I submitted three formal disputes to the credit reporting agencies regarding multiple student loan accounts being reported by the U.S. Department of Education. There are at least three duplicate tradelines ( with similar account numbers ending in XXXX, XXXX, and XXXX ), all marked as closed, with {$0.00} past due, but still listed as collection accounts. These appear to be the same original loans, being reported multiple times under slightly different account numbers. This is causing my total student loan balance to appear artificially inflated and gives the impression of multiple defaulted accounts when that is not the case. These entries are both inaccurate and materially misleading, which violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Despite submitting three rounds of disputes through the credit bureaus, the data furnisher has failed to correct or remove the inaccurate information, and the accounts continue to report unchanged
Frequently Asked Questions
What is Complaint #14561498 about?
Complaint #14561498 was filed against Servicer Under Contract With Federal Student Aid regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-07-09T12:00:00-05:00.
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.