Date Received: 2021-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im XXXX I have 6-8 late payments that are on my credit report. I was on XXXX XXXX that year. I have called each credit bureau several times & submitted several disputes in regards to this situation.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX U S DEPT OF EDXXXX US Department of education is in violation of Title 15 1692 GB for failing to verify this alleged debt for this alleged collection account XXXX furthermore is Reporting false and inaccurate data on my credit report I sent a letter to the US Department of Education requesting the following information- 1. a copy of all promissory notes of all student loans that you service-related to me. 2. a copy of the promissory note for any and all student loans that you originated. 3. A copy of any assignments of the promissory notes for the related student loans. 4. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. They received this request on XX/XX/2021. I am yet to receive a response U S DEPT OF ED/XXXX has failed to send me a copy of any assignments of the promissory notes for the related loans. U S DEPT OF EDXXXX has failed to inform me whether they were a servicer or a collection agency. I know for sure that the name US Department of EducationXXXX is furnishing this data on my credit report ( U S DEPT OF EDXXXX XXXX as a collection and is not the correct name of the Collection agency for this account. The Response I received from Direct loans is that this alleged debt is being collected by another debt collection agency with a different name number and address This means US DEPT OF EDXXXX is in violation of 15 U.S. Code 1692e.False or misleading representations by furnishing false information on my credit report. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am working toward Public Service Loan Forgiveness and have FedLoan as my servicer. Four payments ( each applied to 2 loans ) from XXXX and XXXX are incorrectly listed in my account as ineligible for PSLF, and in XXXX I requested that these payments be reviewed again for PSLF eligibility as soon as possible. My loans were serviced by XXXX and FedLoan respectively during these periods. I have been employed since XX/XX/XXXX at an eligible 501 ( c ) ( 3 ) employer and, since I began repayment on my qualifying loans in early XXXX - after federal loan consolidation - I have been on income-based repayment and have only ever made on-time monthly payments on my qualifying loans. On XX/XX/XXXX I received a message in my account that FedLoan reviewed my account. It states that their records are correct and that they consider the matter closed. Although my payment due dates changed slightly over the years that I have been making payments, I have always made one qualifying payment per month. I am truly am at a loss as to why these wouldnt be eligible toward PSLF.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
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: I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 XXXX
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Credit reporting agencies, creditors and collection agencies is in violation of the Law
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello. My complaint is regarding fed loan servicing and my public service loan forgiveness tracking progress. 29 months ago, fed loan servicing advised me that two loans were not consolidated into my PSLF repayment plan. I was assured the first time I did this about 6-7 years ago that all loans were consolidated. All my loans have about 59-61 PSLF eligible payments, while 2 loans only have 29 because of this. XXXX XXXX XXXX XXXX XXXX {$17000.00} Remaining/ Disbursed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$41000.00} Remaining/ Disbursed on XX/XX/2016 I felt mislead and cheated. In my ways, I was starting my PSLF payments from scratch after those two were added. I know the Department of Education is reviewing all PSLF plans to help ensure accurate and correct any issues due to poor servicer assistance. I just don't want to be left out and want to see these two loans that weren't consolidated the first time and brought up in payments to be equal to my other loans and progress updated. I was already notified that an initial review discovered a qualify for more eligible payments.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. 10 XXXX XXXX XXXX XXXX bal. {$380.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 455XX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Back in XXXX, my wife and I went back to school while living in XXXX. Applying for financial aid, PHEAA provided services and secured our funding originally. We investigated our records, and this is what we found : XXXX : XXXX XXXX Unsubsidized from XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00} XXXX XXXX Subsidized from XXXX XXXX BANK XXXX XXXX CO for {$2600.00} XXXX : XXXX XXXX Unsubsidized from XXXX XXXX, XXXX for {$4000.00} XXXX XXXX Subsidized from XXXX XXXX, XXXX for {$1200.00} After school ended and we started preparing for repayment, we had family issues and entered forbearances and deferments. We moved to XXXX to make a better life as I took a XXXX XXXX career. While this happened, our loans were serviced by PHEAA, XXXX XXXX, and XXXX. We made payments on these loans but can not find records from the original loans in our files, nor can we find them by contacting the providers. XXXX explained to XXXX that it would be better for us to consolidate all our loans into one. In XXXX, when asking for help they convinced us to consolidate. XXXX entered us into a spousal consolidation loan. It was explained to us that it would be easier to manage one student loan payment instead of 4. Trusting them, we entered this. Our loan was then sent to AES for {$12000.00}. We made numerous payments to AES, all the while under the understanding that we were paying off a student loan. In XXXX we had to file bankruptcy after making 10 successful payments. We filed a chapter XXXX, and AES transferred the debt to XXXX, who filed a claim in the plan for {$12000.00}. ( after successful payments the balance is HIGHER ). XXXX accepted payments in the plan. When we were discharged, XXXX transferred to debt BACK to AES for {$13000.00} which is over {$1400.00} HIGHER than the claim that went into the plan. It is not fair that AES transfers debt to another company during the bankruptcy only to take it back afterwards at a HIGHER rate, and having a company accept payments in a plan they submitted a claim for! We began to make payments again. A combination of going back to school, family issues, loss of wifes income from XXXX through XXXX, and an obvious unclear understanding of what we owed had us filing another chapter XXXX in XXXX. Again, a claim was filed in the plan. Again, XXXX took the debt from AES. Again, they accepted payments in this plan. Again, it was successfully discharged from the court. AGAIN, XXXX transferred the debt BACK to AES after filing a claim and accepting payments in a second chapter XXXX. ONLY THIS time, the balance entered in the plan in XX/XX/XXXX was {$15000.00}, although the balance transferred TO XXXX months before was only {$12000.00}. In XXXX of XXXX, after a second successful discharge, XXXX transferred this debt BACK to AES, and the amount was {$17000.00}. So, in summary, to this point, we had separate loans, got convinced into consolidating by XXXX, wife stopped working, I made payments as best as possible, and it went IN and OUT of XXXX Chapter XXXX proceedings, but entered as XXXX from AES, only to be transferred back. We continued making payments to the best of our ability in XXXX, XXXX, and XXXX. We asked about federal suspension of payments due to COVID, and they tell us we are NOT in a federal student loan, but in a commercially owned spousal consolidation loan. I immediately asked if this is the case, why was the debt not discharged? They refused to answer, only told us we were behind on payments. This is obviously a loophole in the system they are banking on. Applying as a federal student loan to navigate to their advantage, then relying on the status as a commercially owned spousal consolidation loan to also navigate to their advantage. Now, we are getting notices from BOTH XXXX AND AES. TWO separate debts from ONE line of credit???? HOW!!!!!!! This has also destroyed our credit that we worked so very hard to rebuild. We climbed out of the bad standing, had scores at or over 700, and are now sunk again. Now, making things worse, my wife is suffering from XXXXXXXX XXXX XXXX XXXX from a work-related exposure. Not ONLY is her employer refusing to help her, but she has been out of work since XXXX of XXXX. We have lost her income and incurred ALL her medical care debt since her employer will not help. I don't understand how student loans totaling {$8700.00} for the two of us back in XXXX are now totaling OVER {$19000.00}!!!! Over these years we have qualified for forbearances and deferments. These years also have us making numerous payments that we can not find anywhere on our balances. Where have our payments gone? And why does it show we owe so much for me only took out {$6000.00}.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted an employment certification form in XX/XX/2020 but it has not been processed yet. I am not getting credit from XXXX through XXXX for my employment. I have tried to call them several times but I've been on hold for over 2 hours. I need to speak to someone because I have questions about my loans.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The recent PSLF waiver prompted me to do a manual recount for myself. I realized 36 months were listed as in forbearance. The years are XXXX. To refresh my recollection, I searched my XXXX email because this was easy and fast. Since I archive email, I located all email correspondence from all the previous servicers, including the monthly statements and payment confirmations. From this research : In XXXX, XXXX was the servicer for the Direct Loan Consolidation. In XXXX, XXXX transferred service to XXXX. In XXXX, XXXX transferred service to XXXX. In XXXX, XXXX transferred service to FEDLOAN. In XXXX, I pursued forgiveness by completing ECF PSLF TEPSLF. TEPSLF and PSLF were both denied but I got updated counts for both. Most of my past payments were made on inelligible payment plans. I have worked for the same quailified employer since XXXX. The entire 36 months with XXXX, the payment history and repayment status is wrong in both FedLoan Records and studentaid.gov XXXX replied they do not do these loans, records were sent to nee servicer in XXXX so I need to get records from the new servicer. XXXX services said to contact XXXX. I have not heard back from XXXX or FEDLOAN.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A