Debt collection -- Threatened to contact someone or share information improperly -- Complaint #18040205
Complaint Overview
Complaint ID: 18040205
Company: Georgia Student Finance Authority
Product: Debt collection
Sub-Product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Contacted you after you asked them to stop
State: Georgia
ZIP Code: 30349
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute an account that is inaccurately and inconsistently reported across the credit reporting agencies. The following account only appears on my XXXX report and does NOT appear on XXXX XXXX XXXX, which is a clear indication of incomplete, unverifiable, and inaccurate reporting : Creditor/Account : [ Georgia Student financ ] Account Number : [ XXXXXXXX XXXX XXXX Status Shown : [ : Past Due / Late Payments/ Open / {$900.00} Past Due ] Bureau Reporting : XXXX only Under the Fair Credit Reporting Act ( FCRA ), any information reported must be : Complete Accurate Verifiable with proper documentation This account fails all three requirements : 1. FCRA 1681e ( b ) Maximum Possible Accuracy Requirement A credit bureau may only report information that is accurate and consistent. If the account appears on only one bureau, this indicates an issue with data accuracy and completeness. 2. FCRA 1681i Failure to Verify If an account can not be verified by all CRAs it is furnished to, then it must be removed. 3. FCRA 1681s-2 Duty of Furnishers The creditor must provide complete and consistent information to all bureaus they report to. Reporting to one bureau but not the others is treated as incomplete furnishing, making the account legally disputable and removable. 4. Unverifiable Information Must Be Deleted FCRA 1681i ( a ) ( 5 ) ( A ) If ANY bureau can not verify the account with proper documentation, the law states the item must be deleted.
Frequently Asked Questions
What is Complaint #18040205 about?
Complaint #18040205 was filed against Georgia Student Finance Authority regarding Debt collection specifically about Threatened to contact someone or share information improperly. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
How did Georgia Student Finance Authority respond to this complaint?
The company responded with: "Closed with explanation". 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 Georgia Student Finance Authority?
Yes, visit the Georgia Student Finance Authority company profile at readthecomplaint.com/company/georgia-student-finance-authority 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.