Student loan -- Problem with a company's investigation into an existing problem -- Complaint #16225116
Complaint Overview
Complaint ID: 16225116
Company: Edfinancial Services
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Delaware
ZIP Code: 19810
Date Received: 2025-09-27T12:00:00-05:00
Date Sent to Company: 2025-09-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Request for Blocking of Fraudulent Accounts Under FCRA 605B To Whom It May Concern : I am writing to formally dispute and request the immediate blocking of certain fraudulent accounts that appear on my credit file. Under the Fair Credit Reporting Act, * * 15 U.S.C. 1681c-2 ( FCRA 605B ) * *, I have the right to request that information resulting from identity theft be blocked from my consumer reports. The following accounts are not mine and were opened or reported as a result of identity theft : 1. EDFINANCIAL SERVICES XXXX ( account ending in XXXX ) XXXX. XXXX XXXX ( account beginning with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I did not open or authorize these accounts, and they are incorrectly damaging my credit history. Enclosed, you will find : - A copy of my FTC Identity Theft Report / affidavit. - A copy of my government-issued photo ID. - A copy of a utility bill or other proof of current address. Pursuant to FCRA 605B, I am demanding that these accounts be * * blocked from my credit file within 4 business days * * of receipt of this letter. Please also notify the furnishers of this information that it has been blocked due to identity theft. If these items are not blocked, I will be forced to pursue further remedies with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. Please send me written confirmation once the blocking of these accounts has been completed.
Frequently Asked Questions
What is Complaint #16225116 about?
Complaint #16225116 was filed against Edfinancial Services regarding Student loan specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-27T12:00:00-05:00.
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.