Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9156795
Complaint Overview
Complaint ID: 9156795
Company: Edfinancial Services
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 77007
Date Received: 2024-06-01T12:00:00-05:00
Date Sent to Company: 2024-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My credit score recently went down by XXXX points and the only thing that changed is EdFinancial decided to start reporting my student loans TWICE and incorrectly so it now looks as if I have more than double the debt. For reference, they have two older reports ( with the last payment showing as XXXX and I just made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, etc ) that show incorrect student loan balances of in excess of {$26000.00} altogether ( one approximately {$9800.00} and the other approximately {$16000.00} ) - these amounts and payments are incorrect and need to be removed from my credit. They ALSO have an entry for approx. {$25000.00} - this is the only correct entry on my credit and includes the ENTIRETY of my student loans. I do not owe over XXXX XXXX XXXX anymore - and they will not fix it. They claim they are unable to even look into it unless I file a dispute with experian first. I have done so but how lazy and cruel? Your ( EdFinancial ) poor accounting and reporting caused my credit to drop by XXXX points while we are shopping for a home for our family and you cant be bothered to fix it unless forced to do so by an outside party? I am extremely disappointed with this servicing company. Please provide more oversight. Perhaps if they remember the watchdog is watching they will behave a bit better.
Frequently Asked Questions
What is Complaint #9156795 about?
Complaint #9156795 was filed against Edfinancial Services regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-06-01T12:00:00-05:00.
How did Edfinancial Services 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 (Credit reporting or other personal consumer reports) 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.