Debt collection -- Attempts to collect debt not owed -- Complaint #17887636
Complaint Overview
Complaint ID: 17887636
Company: Servicer Under Contract With Federal Student Aid
Product: Debt collection
Sub-Product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 11422
Date Received: 2025-10-22T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter is a formal demand for you to cease and desist all communications with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that your office immediately terminate all direct and indirect communication with me, including but not limited to : Phone calls Letters or electronic correspondence Contact with my family, employer, or any third party Furthermore, pursuant to 15 U.S.C. 1692g ( b ), I refuse to pay the alleged debt and hereby dispute its validity in full. I do not owe this alleged debt. If you have not already done so, you are required to cease all collection efforts until you provide the following : 1. Verification of the debt, including the name of the original creditor, a breakdown of the amount claimed, and the legal basis for your collection. 2. A copy of the original signed contract or application, establishing that I have a legal obligation to pay the alleged debt. 3. Chain of assignment or sale proving your legal standing to collect on this debt, if applicable. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), if you are furnishing this account to any consumer reporting agency, you are required to : Mark the account as " disputed by consumer '' ; and Refrain from reporting inaccurate or unverifiable information ; and Promptly investigate and delete any information that can not be properly verified. Unverified accounts reporting below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #17887636 about?
Complaint #17887636 was filed against Servicer Under Contract With Federal Student Aid regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-10-22T12:00:00-05:00.
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.