Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was once the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I willingly cosigned their parent plus loan to support their education. However, according to the signed agreement, my responsibility for their school loans ceased upon their graduation. Now that they have successfully completed their studies, I need assistance in removing any association with these loans from my credit report. How can I proceed with this?
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XX/XX/XXXX Balance : {$8700.00} XXXX XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$8700.00}
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The data furnisher failed to provide correct and accurate contact information on the consumer credit report.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account Name : NelNet Account number : XXXX I am sending this letter in response to a letter you sent me on XX/XX/2023. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual furnishers of information. 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe. 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired. 6. The method of communication you used to verify the information. 7. Requesting that full account numbers are revealed for the partial account number being reported. 8. A valid, legible copy of the agreement stating the debt and interest charges. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, XXXX XXXX
Company Response:
State: MI
Zip: 48210
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have all ready sent in my request to the US Department of EDU to have my loans removed from SS # as i meet the facts and circumstance for forgivenss in section 685.206 Bowers responsibility and defense. Facts and Circumstance upon enrolling in school and through out my entire education process I was encouraged and guided by the financial aid off to pursue a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. they said i would always have gainfully employment and financial resources. However I made no secret as to the troubles and prochoice i made as a young man that i believed would not allow me into that profession. I was reassured that would not be the case. My assumption was correct. I have been terminated/ let go from every firm i have worked for the following Facts i was uninsurable, Could not pass a background check but most importantly i was and continue to be denied to sit for the XXXX XXXX if needed please reach out privately and i can provided reference that can substance the above Facts. By there individual. XXXX XXXX XXXX XXXX XXXX XXXX XXXXr at a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and one family member
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below by companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notified XXXX, XXXX, and XXXX that a reinvestigation is needed for these accounts. XXXX XXXX, XXXX, XXXX, Nelnet. 15 USC 1681 604 A section and 15 USC 1681 section 602 A. 15 USC 1681 C. 15 USC 1680 I Charge off account reporting balance and payment. Reporting balance and Repossession. Illegal activity. Nelnet reported late payments when account was under deferred status by Department of Education.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Through borrowers defense to repayment my balance was reduced to {$57000.00}. Nelnet hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX Nelnet updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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: XXXX has place derogatory account reporting on my credit profile from XXXX XXXX XXXX Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Regarding this complaint, I am submitting this claim on the behalf of Department of education student loan lender has given out my personal information to a NEW lender that is now over my student loans which is now, NELNET ( the new creditor over my student loans ). US department of education has closed the account on XX/XX/2023 in the amount of XXXX and transferred all my information to NELNET as of XX/XX/2023 which made it as 8 accounts as students loans when it should be 1 account. Looking at the 3 different credit reports, I also noticed some amounts differences in amounts on my student loans.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I submit a dispute with Nelnet due to a 120 day delinquency that I wanted to be redacted due to the circumstances and the late payments falling within the federal mandate due to Covid and the hardship it caused for everyone. I have disputed this twice with Nelnet and each time they ignore the circumstances and treat it as if Im disputing the accuracy of it ; which I was not. Back in XXXX I placed my student loans in forbearance due to hardship. I didnt realize they went back into repayment so the account became delinquent XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I noticed when it hit my credit report, dropping my score XXXX points! I called and placed it back in forbearance as my situation did not change. I recently found out these lates fell within the government covid forbearance. I requested a copy of my forbearance history and noticed that the government mandate back dated all the way to XXXX XXXX therefore my late payments are within the government mandated forbearance period. Since my delinquency fell in that time period of the mandate ; I reached out via dispute directly with Nelnet in efforts to have the credit reporting redacted. Without taking any of those factors into consideration they decided not to redact them because they confirmed the information was accurate. Once again, I was not disputing the accuracy of it I was asking for them to be removed to be fair because even the government recognized the time period I fell delinquent was a hardship for us all. Even though the delinquency took place 3 years ago ; lenders will not look past it. A XXXX point drop. It was reported as 5 separate accounts with 120 days delinquencies. My perfect payment history ruined. This has caused a bigger hardship than what a monthly payment would have cost. They have all the power to redact it but will not. This does not feel fair and doesnt reflect my true credit worthiness. And the timeframe it fell in ; during a government mandate but still no consideration to it just feels like a huge blow.
Company Response:
State: ME
Zip: 04240
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A