Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have filed 6 disputes with XXXX to have a negative account item number XXXX on my report from US Dept of Education/GLESI ( Great Lakes Education ) to be removed from my report as it is past seven years, was since XX/XX/XXXX, or updated to show status as not past due and removed from negative standing. This account was transferred and sold and I have been making payments so account is not in past due or default status. I have a letter from Department of Education stating that this should be removed as well which I submitted. This creditor was removed from XXXX and XXXX but XXXX continues to give me a hard time. I have contacted them multiple times and finally they removed the account on XX/XX/XXXX but then in XX/XX/XXXX they added this account back on my report saying the creditor requested it to be added back on. I have contacted XXXX several times and they cant ever find my dispute or the documentation and keep referring my back to the creditor. I called the creditor 3 times and they say they did not report anything to my credit report as I no longer have any accounts with them as they show my accounts have been transferred. No one will help me straighten this out and it is affecting my current student loans as I am in XXXX school and as well need to send my XXXX to college. The account status of this account is incorrect as it is not over 120 days past due as it has been sold and transferred and has been making payments on. This account should be deleted from my report and XXXX is the only one that is not working on this and ignoring my disputes and keep losing my documentation that is sent in now over 6 times. I ask to speak to a supervisor and they just keep me on hold for an hour with no check ups.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX, which bought my student loans from XXXX, recently sold them to Firstmark Services, effective XX/XX/2021. I attempted to submit payment electronically via online banking but it did not go through. I spoke to Firstmark who suggested sending checks, which I did, also through online banking. These checks were deposited by Firstmark, for {$170.00} on XX/XX/2021, for {$170.00} on XX/XX/2021, and for {$170.00} on XX/XX/2021. Despite following their instructions, Firstmark applied these three checks to only one student loan. Firstmark continues to badger and harass me about the second student loan, even though I called in several times and their representatives have requested that the misapplied funds be redirected to the correct loan. The last representative said there was nothing she could do to expedite the correction and that I would continue to receive collection calls until they sorted out the situation. This is obviously unacceptable.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I think they sold my private information to quick cash lenders. Horrible and cruel customer service/management Lack of Communication Unfortunately, the prompts before this didn't quite explain my situation. I had just found out that my loans had defaulted and been with XXXX XXXX XXXX ( under XXXX ) for a while. I was looking to get back into school to finish my XXXX and begin my XXXX XXXX to, in part, pay back that student loan debt. It wasn't until a bunch of phone calls when my financial aid was blocked that I even knew this company ( evidently in the midst of a pending lawsuit for harmful business practices XXXX was to collect my debt at all. So, there's one complaint right there. Now, I reached out to them on Thursday, the XXXX of XX/XX/2021 to discuss my options since I would like to get back into school. Their first suggestion? Ask your parents and your friends for money. That is just a cold and cruel request that they know is entirely realistic and they might as well have called me a XXXX XXXX. Next, they offered the long term repayment plan that seems to be the one that they are being sued for. They offered a quick robo call type explainer on it and I was informed I could ask any questions I had about it. Well, it was a ton of information. I wouldn't even had known where to begin as far as questions go. Felt like a scam to me if I am being entirely honest. And turns out, based on other complaints, it was for many other people. I decided to consider my options and hung up the phone. 3 business days later, on Monday the XXXX of XXXXXXXX XXXX I got something in the mail I had not seen in years ; A letter for a quick cash loan offer from XXXX XXXX XXXX At first I thought nothing of it, but then I considered my situation. How odd is it that I have this conversation just three business days earlier and suddenly, out of nowhere, I am now beginning to get these types of letters again for the first time in years. So I called them again today Tuesday the XXXX of XX/XX/2021 to find out what other businesses they might have communications or affiliations with. As you might imagine, it was mostly useless and kept being passed on to the next person. Eventually, I got on the call with a manager at XXXX XXXX XXXX XXXX named XXXX XXXX. He consistently walked around my questions, opting to just say over and over again that they communicate back and forth with the government. Eventually though, he mentioned that XXXX has communications and affiliation with all sorts of companies. The entire time, he was very cold. When I asked about the lawsuit, his response was that it was just people who didn't want to pay back their loans taking advantage of the system. After the advice and cruel nature of their management and business practices, I do not trust for a second that they are not selling our information to people in an attempt to make money during a time that I am certain they are absolutely hemorrhaging financially. I'm now wondering if this has happened to other people.
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I called Nelnet to see if my student loans were protected under the CARES ACT. They informed me that my student loans were from a private lender and are not backed by the federal government, however, I could request to defer them due to the coronavirus, which I did and they told me that my loans would be deferred until XXXX. In XX/XX/XXXX Nelnet reported to all 3 credit bureaus that I was 90 days late on my student loan payments, without a single correspondence of any kind to me. This lowered my credit score over 100 points. I called Nelnet about it and they told me that for some reason my request was not processed in XXXX, but I could file another request, which I did and I have a letter stating that my student loans are deferred until XX/XX/XXXX. I also asked them if they could change the late payment status on my credit report. THEY told me to file a dispute with all 3 credit bureaus and that Nelnet would not challenge the dispute. I filed a dispute with all 3 credit bureaus and in XX/XX/XXXX Nelnet refused to change the late payment status. I called them about it and they told me that, internally, they are only allowed to change credit reporting for " natural '' disasters and that the federal government only declared the coronavirus pandemic a disaster, not a " natural '' disaster. I believe that this is an absolutely ridiculous technicality that is entirely the fault of Nelnet, but as of now, it will have a devastating affect on my credit and my life for the next 7-10 years.
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/XXXX
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I do not owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes does not have my consent to furnish my Consumer report or share information with anyone. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I don't owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes doesn't have my consent to furnish my Consumer report or share information with anyone. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Company Response:
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A