Student loan -- Problem with a company's investigation into an existing problem -- Complaint #18994683
Complaint Overview
Complaint ID: 18994683
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: Georgia
ZIP Code: XXXXX
Date Received: 2026-01-25T12:00:00-05:00
Date Sent to Company: 2026-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
EdFinancial Services is reporting a XXXX late payment for XX/XX/XXXX across XXXX separate student loan tradelines. This reporting is inaccurate. On XX/XX/XXXX, EdFinancial approved forbearance covering the period that includes XX/XX/XXXX. Under approved forbearance, no payment is due. Therefore, the loans should not be reported as delinquent for that month. Some versions of the forbearance approval list an effective start date of XX/XX/XXXX, and others list XX/XX/XXXX. Under all versions, XX/XX/XXXX falls within the forbearance period, and no payment obligation existed for that month. I disputed the inaccurate XX/XX/XXXX late payment with XXXX XXXX XXXX XXXX. I also contacted EdFinancial directly in writing and requested correction based on the approved forbearance. EdFinancial responded by stating it would not investigate the dispute and characterized it as frivolous. The inaccurate XX/XX/XXXX XXXX late payment continues to be reported on all XXXX tradelines across all three credit bureaus. I am requesting that EdFinancial correct the inaccurate reporting by removing the XX/XX/XXXX delinquency, notify all credit reporting agencies of the correction, and provide confirmation once the correction is completed.
Frequently Asked Questions
What is Complaint #18994683 about?
Complaint #18994683 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 2026-01-25T12:00:00-05:00.
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.