Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. U S DEPT OF EDXXXX, XXXX XXXX {$1800.00}, and account # XXXX.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
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: My name is XXXX XXXX, and I am writing you as well as sending mail for the violations you are committing from my personal research. Account : XXXX To whom it may concern, I am writing to you again concerning account XXXX. Under the FCRA that you say you abide by here are some violations, you have committed after I have already informed you about them and you choose to ignore the LAWS I had provided so I will repeat them. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ), You are to respect my right to privacy as a consumer, which you have not because you are furnishing my personal information without my direct consent. You are infringing on my privacy. Pursuant to 15 U.S.C 1681 ( a ) ( 1 ), You are reporting inaccurate information after I have provided you the inaccuracy in the name in the alleged debt which is an unfair credit reporting method. Pursuant to 15 U.S.C 1681 ( b ) You are in violation with regard to confidentiality and accuracy since the name is an incorrect name which I have provided proof and made you aware and you choose to ignore this violation. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any approval of a specific extension of credit directly or indirectly is to be excluded from a consumer report, this alleged debt would not have been made if it wasnt due to an extension of the consumers credit. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) any report containing transaction or experiences is to be EXCLUDED from the consumer report, and this alleged debt was a transaction and experience. These are a few of the violations amongst many you have/are committing I have researched. Ignoring these will result in actual damages from willful violations and negligence. Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be discharged in full and removed from all consumer credit reporting agencies. Not limited to XXXX, XXXX, and XXXX. XXXX XXXX Account : XXXX Thanks for your cooperation, XXXX
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My government student loans ( through Nelnet ) have been transferred to a new servicer XXXX XXXX XXXX where I have been paying them monthly regardless of the Covid rules which state that I do not have to till XX/XX/2022. Under XXXX they show as paid as agreed. Under Dept of Ed/Nelnet , they show as in default. I also was told, they would never go to default on my credit report due to the Covid issues, but they did anyway. They refuse to remove the Nelnet lines on both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. XXXX XXXX
Company Response:
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: dept of telnet is on my credit report multiples times same amount. I have sent XXXXXXXX XXXX XXXX.a written letter to please provide proof with original contract.i have given them over 7 years.they failed to do so. and refused to take it off I also sent them letters regarding fair credit action.they still refused to remove it. with no proof I would like this off of my credit report please it has put damage on my credit report for years I have been sending letters asking them to send proof they never do.i just want my life so I can buy a home. there also credit inquires I've been disputing as well. I send letters out every day fighting for what's right please please help.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CONSOLIDATED NELNET LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER XXXX XXXX OR XXXX CREDIT BUREAUS OR NELNET. MY ACCOUNTS FOR NELNET ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH NELNET ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR NELNET. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX reached out to XXXX XXXX AND XXXX via phone and online DISPUTES regarding accounts with NELNET that are stilled listed as OPEN on my credit reports. Contacted NELNET XXXX for DISPUTE regarding accounts also. Reached out to XXXX XXXX XXXX regarding account in the account of {$250.00} that was PAID. All of my loans with NELNET have been CLOSED and PAID.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I started working on my credit my few years ago and I noticed my score was really low. Due to student loans from the DeptEd. I have not attended any School to accumulate student loans. There are also XXXX diffferent Loan Amounts associated with the account that started XX/XX/2012. The Accounts XXXX reporting are [ DeptEdNelNet, Account number : XXXX, Amounts : XXXX / XXXX / XXXX / XXXX ] [ XXXX, Account number : XXXX, Amount : XXXX ]. the inaccurate and incomplete are hurting my livelihood and causing me not to be able to get funding or Job. I request that these accounts be deleted.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My federally protected consumer rights have been violated in accordance with the Fair Credit Reporting act ( FCRA ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I dont have specific dates but a while back I submitted a reamortization request for my loan at Firstmark Services because I paid extra toward my principle. The monthly payment wasnt lowered as much as I thought it would be based on my calculations so I asked to see the paperwork for their calculations about 3 weeks ago. They said they could do this but around a week went by and I got nothing so I called back. They said that the request had been denied for an unknown reason so they submitted another request. Maybe around a week later I followed up because I still hadnt heard anything. They said the department was backed up because of the looming tax deadline and suggested I call back today if I hadnt gotten a response. This made sense to me so I obliged. Still havent gotten anything as of today so called and the loan advisor told me that I had to reach out directly to the customer service department. So I just did that XXXX minutes ago but Im doubtful Ill get the help I need based on my past interactions. Its a simple request and it feels like Im just getting bounced around. Seems like they are up to something sketchy. I know they make less money when I prepay which is why I think this. In the meantime while I am waiting for this paperwork my interest continues to pile up day after day. I have been holding off making another large payment toward my principle until I get this paperwork.
Company Response:
State: NH
Zip: 03801
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan has been active since 2012, in that time I was guided into long term forbearance and into changing the loan multiple times to make payments. Had I known that you could constantly make XXXX payments the loan would be considered paid in full I would not have changed the loan. Over the years I have called Great Lakes multiple time asking questions and trying to find out the best option for my future. They guided me into changing my loan type multiple times ( each time the loan is changes the clock resets! ) I called yesterday and found out Im on a plan to pay off in XXXX XXXX I feel like the information Great Lakes was incorrect and troublesome. Because of their poor guidance I will not be finished with my loan for XXXX more years.
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A