Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As of XX/XX/2024 for account number XXXX : American Education Services are causing me financial harm by reporting. 15 usc 1681A states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They do not have my authorization/written consent to report per 15 usc1681-c2, its considered identity theft. This also involves Invasion of privacy which is the infringement upon an individual 's protected right to privacy through a variety of intrusive or unwanted actions. Attach is a copy of my consumer report containing them reporting transactions and experiences.
Company Response:
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I hate this XXXX company, American Education Services. If a XXXX is one day late with payment, they will call you and harass as though you are 30 days late. The phone reps sound like a bunch of XXXX The only repayment option AES offers me is XXXX in which they " may '' forgive the loan. Typical XXXX This loan was totaled {$6000.00} but it has ballooned up to {$14000.00} with a 10.26 % interest rate. Just pure harsh. I thought I had settled down they payment back in 2013 to hardship payment of {$35.00} x XXXX due to my status as " XXXX XXXX XXXX' but AES has reneged on the contract and my payments are {$58.00} x XXXX and will increase to {$72.00} x XXXX. This is a horrible company to be offering XXXX loans.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I XXXX XXXX I am opting out of your reporting services.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was sold and bought illegally because i am a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I.am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FED LOAN SERVICING-XXXX FED LOAN SERVICINGXXXX CLAIM NUMBER WITH XXXX XXXX XXXX ENGAGEMENT NUMBER IS XXXX
Company Response:
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have tired on several occasions to get my loan amount changed to be more affordable they keep raising it and offer no help back in XXXX of 2020 they loan officer said that XXXX was a option to get out of it. The loan was for XXXX to date I have already paid {$93000.00} with {$28000.00} left to pay off and 4 years to go. I dont understand if why I have to pay more then double my loan amount
Company Response:
State: IL
Zip: 61108
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX L : oan consolidation was completed in XXXX or XXXX of XXXX and the total dollar figure was {$70.00}, XXXX ( XXXX Loan App ) or {$71.00}, XXXX ( Dept of ED XXXX Case XXXX email letter dated XX/XX/XXXX {$55000.00} - XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Total Consolidated What should have been consolidated? {$71000.00} XXXX Consolidated figure ( {$14000.00} ) - XXXX XXXX previous paid ( {$20000.00} ) XXXXXXXX XXXX Alternative private loans discharged in bankruptcy {$36000.00} SEE EXHIBIT 3 DISCHARGED LOANS SEE EXHIBIT 4- DOCUMENTS ABOUT XXXX CONSOLIDATION AND AMOUNT OWED. SEE EXHIBIT 5 -PREVIOUS LOAN PAYMENTS
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AES/XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not only is it illegal for a 3rd party collection agency to even reach out to me to pay an old debt, the information is 100 % false! - inaccurate. I never gave anyone my written consent for anything.i DONT NOT OWE THEM!! NOT ONLY THAT WHY ARE CLOSE ACCOUNTS STILLS HOWING UP? I have no clue who that is. I WASNT EVEN IN SCHOOL ANY OF THOSE YEARS. I DEMAND YOU ALL TO DELETE THAT. I am demanding that both of these accounts be updated to paid as agreed and Never Late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. My name is wrong!!!!! I also want to know where the fake names originated from. That is a lot of violations. There are 38 name violations that are inaccurate as well!!!! No THE XXXX YALL ATTATCHED TO THE LAST COMPLAINT DOESNT EVEN HAVE MY SIGNATURE!!!!!!!!!!!! THERE IS NO WET SIGNATURE. THAT IS MY FOSTER MOTHERS DOING!!!!!!!!!!! TAKE IT OFF. SO MY MOTHER AND MY AUNT DID THIS ..... THIS IS SICK. YOU DIDNT PROVIDE ME WITH ANY KIND OF WET SIGNATURE- I NEVER SIGNED THIS AND I HAD TO BRING MY BIRTH MOTHERS DEATH CERTIFICATE TO THE CASHIERS OFFICE TO CLEAR THIS HERE UP!!!!!!!!!!!!!!!!! THATS FRAUD TAKE IT OFF
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I borrowed " originally '' {$25000.00} - I deferred for 10 years - being a single mother raising XXXX children I could not afford to provide the care they needed and pay my student loans. In XXXX, I started working for the XXXX XXXX XXXX XXXX XXXXXXXX, full time. I applied for loan forgiveness, as it was my understanding working for a non-profit company/State or government company would allow for loan forgiveness. I applied for loan forgiveness around XXXX ( maybe earlier ). I received a letter that I " did not qualify ''. I have contacted my lender ( AES ) and they told me my loans are not eligible for loan forgiveness. By XXXX, when I could " almost '' afford to start repaying my loans, my new balance was greater than {$60000.00}. I did receive a few deferments in my early years of repayment but now am told I do not qualify for deferment. I left working for the XXXX XXXX XXXXXXXX in XXXX and started working for the XXXX XXXX XXXX in XXXX, where I continue to work full time. I am a XXXX XXXX and I worked through the pandemic and while I love my job, working for XXXX XXXX XXXXs not a huge salary. I just put in a new application for PSLF and after filling this out a message came across the screen that " this program ended in XXXX of XXXX. I am frustrated and can't seem to get the answers needed to make this ridiculous loan amount affordable. I have MORE than paid back what I borrowed in XXXX and honestly, will never live long enough to pay this loan off. In the almost 20 years I've been paying on this loan it has only dropped a few XXXX dollars. This makes no sense to me. I really need some help and have no idea how or where to get it. You are my last option at this point. I don't understand how with all the billions of dollars being forgiven by our current political administration, how I, with a 30 year loan, that I have paid on for the last 20, do not qualify for any graces. Any help you can provide would be so greatly appreciated! Respectfully submitted, XXXX XXXX ( XXXX XXXX - loan name )
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A