Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2021, I sent Great Lakes a letter stating that the loan on file for {$44000.00} is not correct and demanded a removal off my consumer report. They followed up on XX/XX/2021, by stating the debt was paid in full, closed, paid, and the balance as '' XXXX ''. Great Lakes violated 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ). Take further notice that Pursuant to 15 U.S Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval stating that someone other then me a consumer, in fact, is the creditor when I am the creditor Pursuant to 15 U.S Code 1692a ( 4 ). Great Lakes has violated my consumer rights by using my credit card and I the consumer received no benefit. Congress has said so under 15 U.S Code 1602 ( p ). The term " unauthorized use '', as used in section 1643 of this title, means a use of a credit card by person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card because I am the cardholder the natural person.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Accounts listed are fraudulent. Should not be reporting on my credit report. 1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the following accounts that appear on my credit report, they are hurting me, they do not belong to me. dentity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Student Loan servicer Nelnet is billing 3 payments ahead instead of using standard billing practices and then calling to collect on on amounts that are yet to be due and this is placing an unfair financial burden on borrowers
Company Response:
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I havent received any investigation results.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: RE : 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 , 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. NELNET LNS bal. {$25000.00} 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: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans had gone in default and were transferred to a collection company- back in XXXX I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through Great Lakes and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Hello, I just learned that my on-time and auto-pay benefits were turned off in XXXX due to a supposed missed payment. I've been paying this loan for 20 years ( since XXXX with the same bank account ) and have XXXX record of a payment ever missed. It is very likely that this happened when the loan changed hands ( which it has many times in 20 years - Nelnet has been the servicer multiple times. ) I have not to my recollection ever missed a payment. As I noted to the servicer in XXXX my wife and I had recently sold a house and had no banking issues at all. As this has been on autopay for many years it doesn't add up that a payment would have been missed. I not only was ever informed of the late payment but I only caught it while going through statements and doing the math. If the loan didn't change hands so often I may have found it much sooner. Looking for a refund of the overpaid interest going back 14 years. Even 0.25 % adds up over that long of a period. Thanks, XXXX
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a student loan with XXXX XXXX, {$23000.00}. The loan was sold to XXXX services with out my knowledge. I never got any correspondence from the loan transferring. The payment was then reported 60 days late to credit agencies. Loan is upto date now and set on auto pay.
Company Response:
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I attended Sumner College back in XXXX. I currently owe approximately over $ XXXX. I did not complete the college course because the college discontinued the program. They had mentioned that I would be able to transfer my credits to another college. When I tried to transfer over to another college they weren't able to transfer my credits. I had no choice but to start over and get a new loan at XXXX XXXX XXXX in XXXX. now in XXXX, I am having really difficult time trying to pay this loan that I didn't get anything back on and still have to pay my other student loan where the program was also discontinued. job is hard and I am now in forbearance and I talked with company to see if they can help me and I have had no luck with this issue.
Company Response:
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A