Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX sold their student loans to Firstmark Services ( FS ) in XXXX. I have been an active XXXX XXXX XXXX continuously since before this transfer to FS and after. In addition to a education deferment status on my two student loans, I also have a military deferment. Firstmark Services wrongfully changed my deferment status without my consent and without any of my circumstances changing. I still actively am a XXXX XXXX XXXX and still have the active military status too which are applied to both loans and are in the original loan agreement I signed with XXXX XXXX when I received my student loans. In XXXX, Firstmark Services noticed their mistake and stated they had a " system error '' when they transferred loans from XXXX XXXX to them and that they apologize for " accidentally '' changing my status in their system even though my military and XXXX XXXX XXXX status were both and are both still active. They inaccurately reported me to all credit bureaus ( XXXX, XXXX, XXXX ) with wrongful and inaccurate information. They told the credit bureaus that I was delinquent even though I am not and never was. Over the phone, the FS rep told me that she apologized and that they would immediately retract the credit hit/information sent to the bureaus and that they would rectify this situation because they made the mistake. I never had any late payments nor did I ever need to make any payment because of my current and continuous student and military deferment statuses that I have continuously had. In XXXX, the FS rep instructed me over the phone that I would be receiving a credit retraction letter by mail. I waited weeks and never received anything in the mail. I called them again asking for this retraction letter and emailed them on XX/XX/XXXX submitting documentation about my continuous student enrollment deferment and military deferment. XX/XX/XXXX they replied that the credit report was retracted and to rest assured that the letter will be delivered and not to worry. I waited all of XXXX. Still received nothing from FS. XX/XX/XXXX came and I still didn't receive any retraction letter from FS even though every time I called they said they can see it in my documents but that it take 3-5 business days to be delivered to me by mail. More than 35 days have gone by at this point and I still didn't receive a letter. On XXXX XXXX, my credit scores were updated by the Bureaus and my score dropped by more than a 100 points on XXXX. I filed a dispute through XXXX and called FS to let them know and ask why my score shows delinquent accounts if I never had any delinquent accounts ( they told me they had a " system error '' ) and that I could rest assured that they retracted the credit reporting in XXXX. FS kept apologizing and acted confused when I told them my credit score report did not reflect that retraction letter being received by the Bureaus and they kept stating they sent all of the bureaus the updated information and that the credit retraction was done and even told me " Experian told us they are behind on updating their information and they are two months behind on their reporting ''. I called XXXX to confirm and XXXX stated they are up to date and discussed how by law they have a limited amount of time to updated the new information on credit reports. XXXX stated they never received any retraction information by FS and that by law if they did, they would immediately update it. XXXX instructed me that the dispute I opened on both accounts should fix it considering FS still hasn't sent me the retraction letter even though I have requested it at least 4 times over the phone and through email asking them to send it to me by mail and through email. XXXX and the credit bureaus have not received the retraction information at all. I filed a dispute through XXXX, submitted the documentation I had by FS proving they supposedly retracted the credit report in XXXX. XXXX told me that FS denied my dispute and told them a different story when XXXX reached out to FS. Over the phone every FS rep I speak with keeps apologizing and states I have done nothing wrong and that the retraction letter was sent and that they agreed with my dispute so they are confused why XXXX would say that. Yet every time I tell FS to send me the retraction letter that they told they would send on XX/XX/XXXX and they can see on my documents, they state that it takes 3-5 days for me to receive it and just put in another request for it to be delivered by email or mail. It has been MONTHS. Today, XX/XX/XXXX, I STILL have not received a retraction letter by email or mail from Firstmark Services. All of my credit scores have plummeted for this inaccurate reporting by Firstmark Services even though they keep stating they sent the Bureaus the retraction information and confirmed the information on my credit report is inaccurate. FS agreed with me and acted confused why the Bureaus didn't have the information they said they sent to them. Today, XX/XX/XXXX, I now have new inaccurate information on my credit score that was never there nor is even true. There a ton of discrepancies. I need my retraction letter from FS and a letter confirming all of the dates/inaccurate reportings/discrepancies. The Bureaus stated this is what they need to immediately fix my credit scores back to the original score. FS needs to reach out to me and make this right with a sense of urgency considering their huge mistakes they have made and continue to make until this day. This unacceptable that it has even taken this long and they need to rectify this mistake. I have had to put my life on hold because of FS poor service and inaccurate reporting due to their " system error ''. They have continuously failed me and don't have any sense of urgency to reach out and rectify this. Over the last 2 1/2 months, I've only had one supervisor take the time to try to resolve this massive mistake. This issue is still unresolved. FS has the opportunity to resolve this situation and restore their rapport. FS, reach out to me and make this a priority. This is a massive system error mistake that has resulted in terrible service and forced me to pause my life until my credit is restored. All of the bureaus and I are waiting on FS to submit the documents properly and accurately. I even started paying early on my loans since I am and have always been in student deferment/ military deferment and this is the customer service and care I have received from Firstmark Services .
Company Response:
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: my address is listed wrong on XXXX XXXX and also Department of Education Nelnet. I have multiple address on my credit reports. The only address that should be on my credit reports is XXXX XXXX XXXX. XXXX XXXX XXXX. Please advise or fix this issue once it is received
Company Response:
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In summer of XXXX, I entered into an agreement with The US department of education for student loans. I'm guessing they assigned Nelnet to manage my student loans. It's been a nightmare ever since. Nelnet falsely reported late payments to the consumer reporting agencies of my student loan accounts that ended up dropping my scores from the low 700s to the mid 400s. Those late payments were false because on each of those days that they claim the account was late, I was in forbearance ( proof has been attached directly fro, the studentaid.gov website. ) These inaccuracies have taken a big toll on my life. They've ruined my reputation on my consumer reports which has led to me being denied credit on so many occasions. It's bad enough being an XXXX American male in this country and how difficult it is to be extended credit. Nelnet made it even worse for me! Theyve prevented me from getting credit cards, apartments, jobs and I can't even qualify for a car. This has forced me to move backwards in these rebuilding times. I've been declined 2 good paying jobs twice because they thought those inaccurate late payments reflected on my character as a person or mean Id come late every day. I've also had to live in very undesirable situations because my credit wasn't 'good enough ' for me to live in a better neighborhood. I disputed the late payments with the bureaus in JXX/XX/XXXX and they put them back within 10 days after they were removed per nelnet 's request without even contacting me and I didn't receive a single proof or reason why those inaccuracies were put back on my account. I've spoken to someone from nelnet but the the most recent was on the XX/XX/XXXX in the afternoon. I spoke with a woman named XXXX and explained to her how this company has ruined my life by reporting all those inaccuracies and she told there's nothing she can do. After suggesting to speak to someone above her multiple times, she told me she would dispute them for me that's the best she can do and that I'll receive the results in the mail. I asked her how long it'll take for me to see those results and she said it'd take 4-5 business days. This was a Friday so I expected a response by Monday XX/XX/XXXX at the latest. Til this day I haven't got a response from them. She also apologized to me for not getting a response for my initial dispute from XX/XX/XXXX because they never sent me any proof to back up these claims. I know by law I'm supposed to receive a validation letter within 30 days of a dispute but haven't received anything. I wonder what they sent these consumer reporting agencies for them to put them back on my profile without my permission.
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX is reporting different information than XXXX is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. Attached you will find documents of the account. If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. Account name XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX Account XXXXame US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX
Company Response:
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX is reporting different information than XXXX is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. Attached you will find documents of the account. If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. Account name : US Dept ED XXXX Credit Bureau XXXX XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX
Company Response:
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This would be my 2nd complaint about Great Lakes. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the Great Lakes stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) Great Lakes has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This would be my 2nd complaint about Great Lakes. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the Great Lakes stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) Great Lakes has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Company Response:
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file. They are just the servicer of the alleged loan, they can't be the holder in due course.
Company Response:
State: LA
Zip: 70806
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
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: Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX {$3300.00} Loan Amount {$3000.00} It states I was late on payments XXXX, XXXX, and XXXX of XXXX. I continued to go to school so there for I did not have to make payments yet on this loan.
Company Response:
State: CA
Zip: 93245
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A