Date Received: 2023-03-01
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: It's derogatory reporting to my credit report from American Education Services ; which is causing me hardship.They have sold my credit information to various credit collecting agencies, and garnished my wages unlawfully. These agencies have violated me in so many ways. They are sending me letters, calling my personal phone number, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our Cesti que trust. The violation becomes over kill, and is a Tort issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. According to HJR 192 these debts are not ours, because they are already paid. I can send in any documentation as requested. This include emails, letters from numerous companies, and a call list. " The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Fed loan servicing company was supposed to issue me a check in the remaining amount they owe me for my student loan reversal. They still owe me XXXX $ and said they were issuing me a check in XX/XX/2022. I have still not received this payment. When I call the number for the customer service it is no longer a working number.
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2022 all of my loans that were with Fedloan were moved to XXXX. They moved all the loans but XXXX stayed on my credit report under Fedloan, so I essentially have doubles of those loans! It adds about XXXX to my collective debt. I tried calling Fedloan but have been unsuccessful getting ahold of anyone and normally it just says I no longer have an account with them and hangs up. I spoke with XXXX and they said it might just take a couple of months to get it off my credit report however it has now been almost 6 months and they are still showing up. I also have tried to file a complaint with each credit burearu and still the problem has not been fixed!!!!!
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of ED/XXXX XXXX Prior to XXXX, they were serviced by Fed Student Loan Servicing with balances of XXXX, XXXX, XXXX, and XXXX. These are now consolidated and being serviced by XXXX with a balance of XXXX. Fed Loan Servicing no longer has these loans they had been transferred more than once. The only student loan debt that should appear on my current credit report should be with XXXX with a balance of XXXX. XXXX states in a previous dispute that Fed Loan Servicing states that these balances are correct however when I attempted to call Fed Loan Servicing with the number given by XXXX it is an invalid number that does not ring XXXX. My next steps will need to be to obtain legal counsel and report to the Ombudsman for XXXX XXXX XXXX.
Company Response:
State: PA
Zip: 15010
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid in full but not reflecting on my credit report as paid. Its still saying I owe Fed loan money
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My student loans were transferred from Fedloan servicing to XXXX and then were paid off via pslf. Fedloan does not seem to exist as a company anymore and its impossible to contact them. My old fedloan account is still showing up on my credit report as being open with a balance which is incorrect
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XX/XX/XXXX AES now calling the business XXXX has once again taken points from my credit report as well as negative remarks regarding student loans. Student loans have been on pause since the pandemic as many affected financially especially the lower earners. This is the 3rd time I have to keep filing complaints regarding my credit report. Why is my credit report lawfully allowed to have negative comments on a debt I should have been able to file bankruptcy on in XXXX? The pause is in affect at this time XXXX? In addition XXXX has added {$510.00} in unpaid interest for XXXX! Struggled to make {$33000.00} dollars last year as well as roof over my head and food on the table. I can not afford any payments! The loan service companies can not lawfully ding credit reports, but yet continue to do so. Can i please get some legal help with these issues to end them?
Company Response:
State: MI
Zip: 48846
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Incorrect late payment reporting while attending school full time
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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: First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. Secondly, FedLoan mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). My rights as a consumer has been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. I am demanding that FedLoan Servicing produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). What I am demanding right now is that you guys delete the multiple FEDLOAN Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I co-signed for a school loan and the person stated that shes going through a bankruptcy. I am showing 2 loans for this person on my credit report when I just signed for one {$10000.00} loan. I have sent letters to Navient and have explained to them that shes no longer taking my calls & she goes on cruises which she shows on XXXX. The credit company says they cant contact her and keep sending me emails for her address. I dont have her new address and neither do I have her phone number. They should be able to contact her where shes employed. The credit company continues to call several times a day.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A