Date Received: 2021-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, 1. FEDLOAN Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX as wells 120 days late on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with FEDLOAN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: i received student loans to complete a phd in biology at XXXX university, for 5 years after graduation in XX/XX/XXXX, i was in forebearance because i could not get a job and had to settle down for XXXX {$19000.00} fellowship as postdoctoral fellow at University XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to apply for loan forgiveness as XXXX fellow but was turned down, as the program was for only XXXX fellows working at XXXX. I got my first real job as an XXXX XXXX in XX/XX/XXXX at XXXX University, PA on XXXX annual salary, i was laid off with all non-tenured faculty in XX/XX/XXXX due to the State of PA cutting off all aid to XXXX University due to financial stress of XX/XX/XXXX. After 4 months unable to secure another job, i volunteered for XXXX type federal sevice called XXXX/sponsored by XXXX, XXXX for XXXX XXXX for 2 years, XXXX. When i returned to USA in XX/XX/XXXX, i still had no job so i did XXXX XXXX service for 2 years with STS/PA until I got a faculty job in XXXX XXXX on XXXX per annum in XX/XX/XXXX at XXXX University at XXXX XXXX XXXX I paid my student loans for 3 years while at XXXX University and at Southern University at XXXX XXXX. I was denied tenure in XXXX at Southern University and have remained unemployed since then. Both my services at XXXX University and XXXX University is for 10 years though not continuos. My student loan went into default and when my XXXX dollar tax refund was garnished in XXXX, i applied to rehabilitate the loan through XXXXPHEAA and it was granted with agreement to pay XXXX dollars a month till XX/XX/XXXX. However the loans were reinstated in XX/XX/XXXX with a payment of XXXX dollars per month, my Social Security benefits, the only income i have is XXXX per month, i am on XXXX and XXXX XXXX All attempts to get AES to grant me forebearance based on my income has failed.
Company Response:
State: LA
Zip: 70114
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have you received an email that you are looking int my complaint XX/XX/XXXX XXXX and have heard from you since. Can you give me an update of your findings? XXXX XXXX
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: FEDERAL LOAN SERVICING Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with FEDERAL LOAN SERVICING and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have reached out to Fed Loan Servicing and requested information in which I have yet to receive a response. Fed Loan Servicing is in violation of my rights as a federally protected consumer.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Company Response:
State: RI
Zip: 02907
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My Student loans ( only two ) and tuition was paid 100 % prior to my completing XXXX Program while I attended XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, by my former employer, XXXX XXXX XXXX XXXX XXXX As we're 2 of my classmates/coworkers, who all 3 if us had same job Title, XXXX XXXX XXXX XXXX XXXX XXXX of Jail Inmates. If you look back on My previous complaints, you will see that my college, XXXX is hiding behind XXXX XXXX XXXX, AES/PHEAA . And XXXX, US DEPT OF ED DEBT RESOLUTION All of which were directly Contacted by XXXX, XXXX XXXX, ID # XXXX, while she was on phone with me. She contacted both XXXX, and AES/PHEAA and directed both Loan servicers to cancel these loans due to ERRORS, and return any and all payments made/intercepted from me. And she forwarded these loans to the NSLD DIRECTOR TO REVIEW. Neither AES/PHEAA, OR XXXX has complied with NSLD ombudsmen request as of today. I have been in contact with my school, XXXX, financial office VP, and XXXX XXXX, who is the lady that actually made the original error of putting my classmates Loan documents into my file, which resulted in my name placed on my classmates loans. I suggested they do the right thing and cancel these loans, and I find it impossible to believe my college university has no record of any payments made by XXXX XXXX, my former employer paying my and 2 of my classmates tuition 100 %. I call XXXX. Which is why XXXX may have no record of any Tuition paid directly to them, I know my former employer does have a record of paying it which is why I contacted them last week and they are searching their accounts payable, etc. And getting back to me this week when they find the proof of paying. Which if XXXX, AES/PHEAA, XXXX, US DEPT OF ED DEBT RESOULTION still has a short time to do the right thing or wait until they I have undisputable proof that will shed a bad light on all these Student loan agencies and my college collaborated to defraud students and force students, USAF Veteran , currently XXXX, to pay off fraudulent student loans. Knowing the original Lender XXXX XXXX has no record of ever giving a student loan to me, or anyone with my ssn # .nor does original loan Guarantor, XXXX XXXX
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. XXXX XX/XX/12 Balance? FTC Report was submitted and filed with accounts included
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Despite making payments towards my student loans, my XXXX tracker is showing that my XXXX Loans have only XXXX qualifying payment, while my XXXX loans show XXXX. There is no explanation for the discrepancy of the counts. I have owed these loans for the duration of my employment for a non-profit organization and have made monthly loan payments during the entire duration of my employment. Both of these counts should be XXXX payments.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A