Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17870821
Complaint Overview
Complaint ID: 17870821
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 information incorrect
State: California
ZIP Code: 91732
Date Received: 2025-10-10T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * US DEPT OF EDUCATION * * Regarding : * * US DEPT OF EDUCATION, Account NO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way US DEPT OF EDUCATION is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). Both notices are mandatory, and the furnisher must provide them to me in writing. * * Details of the Issue : * * - The account in question is a credit card issued by US DEPT OF EDUCATION- The account reported positively for a period of time.- After I became delinquent, US DEPT OF EDUCATION charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice.- I never received an Adverse Action Notice. * * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit.- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. * * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies. 2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. * * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o. * * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.- Written confirmation that proof is provided or deletion of the charge-off occurs
Frequently Asked Questions
What is Complaint #17870821 about?
Complaint #17870821 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 2025-10-10T12:00:00-05:00.
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.