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Reporting company used your report improperly. Lenders misleading borrowers and failing to carry out their instructions for refinancing : Refinancing or consolidating federal loans through a private lender results in the loss of important federal protections. CFPB examiners found that lenders gave misleading impressions that borrowers who refinance might not lose access to federal loan cancellation programs. Lenders also failed to re-amortize consolidated loans following borrowers requests to exclude federal loans. Private lenders deceiving borrowers or denying benefits : Supervision found that lenders unfairly denied discharge applications for borrowers who were eligible based on Total and Permanent Disability status. Lenders also inaccurately claimed certain borrowers were ineligible f