Credit card -- Problem with a company's investigation into an existing problem -- Complaint #18148156
Complaint Overview
Complaint ID: 18148156
Company: Edfinancial Services
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 90201
Date Received: 2025-11-07T12:00:00-05:00
Date Sent to Company: 2025-12-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is submitted by XXXX XXXX XXXX, XXXX, through its authorized representative XXXX XXXX, on behalf of XXXX XXXX, against EDFINANCIAL SERVICES LLC for violating the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, including a formal second notice dated XX/XX/year>, EDFINANCIAL SERVICES LLC continues to report an account without providing any proof of ownership or supporting documentation. Marking the account as verified without evidence is a willful and negligent act that disregards federal law. The companys refusal to comply has caused serious harm to the consumers credit, reputation, and financial standing. The complainant demands that XXXX XXXX XXXX immediately provide full verification of the alleged account or permanently delete it from all credit reports. The CFPB is urged to take swift enforcement action to ensure compliance and hold EDFINANCIAL SERVICES LLC accountable for its continued violations of the FCRA. EDFINANCIAL SERVICES XXXX XXXX
Frequently Asked Questions
What is Complaint #18148156 about?
Complaint #18148156 was filed against Edfinancial Services regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-11-07T12:00:00-05:00.
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 (Credit card) 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.