Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX i was made aware that i was a victim of identity theft, so i contacted the bureaus and followed their instructions. Most of the fraudulent items came off my credit report, however not all of them did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95116
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Student loans all consolidated and in repayment since starting college XX/XX/XXXX, refinanced from XXXX XXXX to XXXX XXXXXXXX for PSLF then to XXXX, they re-aged incorrectly and illegally to XXXX and did not include my prior and consolidated all as one loans for the 30 years of payments. I have no graduate loans either as I withdrew right after signing up because they increased the tuition right after and all loan balances are to be canceled after 20 years of payments, it has been 30 years that I have been paying on my student loans. As well I have also submitted proof and certifications from two of my prior government jobs at the XXXX XXXX XXXX House and the US Dept of the Treasury IRS where I also worked besides my six years with the State of IL IDES, I certified with which total up to ten years of government employment toward my PSLF. So, either way, the loans should have already been canceled. All documentation has been provided to the US Dept of Education, XXXX, and the IL Attorney General as well as the CFPB!!! Cancel the balance of these loans or I will sue you!! Prior complaints about the same still not resolved. Complaint Description Edit collapse Please describe the issue you have repaying your loans or grants. MY ACCOUNT IS A MESS!! It is INCORRECT!!! They have a note on it saying 17 of my loans are ineligible and I need to get out of my XXXX deferment! I have been paying on these loans since XXXX and they should have already been cancelled, they are all XXXX loans!!! I did not attend XXXX XXXX I withdrew right after I signed up and the loans were returned!! I only have one loans, somehow you have divided it into two a fed subsidized and fed unsubsidized. I have worked for the XXXX XXXX XXXXXXXX XXXX XXXX IL, DEPT OF THE TREASURY IRS XXXX XXXX, MO AND STATE OF IL IDES FOR A TOTAL OF 10 YEARS, AND HAVE GIVEN ALL OF THIS INFORMATION TO THE MORONS WORKING AT THE DEPT OF EDUCATION WHO CAN NOT SEEM TO DO THEIR JOBS AND CERTIFY MY TIME WITH THE XXXX XXXX COURT HOUSE AND DEPT OF TREASURY IRS!!! They have all of the information, dates of employment and contact information for the HR representatives, on top of this I sent them a copy of my IMRF screen as they tried to deny my XXXX XXXX XXXX House employment. WHOEVER HAS BEEN HANDLING ALL NEEDS TO BE FIRED!!! I have reported all to Biden and I talking with an attorney about a lawsuit against you both and XXXX too!! I have several family members who retired from the federal government and are retired from the military!! DO YOUR JOBS OR GET OUT!!! I have been trying to get this resolved for the last year and nothing is being done correctly!! FIX THE ISSUES NOW AND CANCEL MY REMAINING BALANCE AFTER YOU VERIFY AND INCLUDE MY TIME WITH THE COUNTY AND STATE!! I ALSO WANT A COPY OF ALL MAILED TO ME!!! What do you think would be a fair outcome to your issue? DO YOUR JOBS YOU ARE OVERPAID TO DO, FIX THE ISSUES NOW AND CANCEL MY REMAINING BALANCE AFTER YOU VERIFY AND INCLUDE MY TIME WITH THE COUNTY AND STATE!! I ALSO WANT A COPY OF ALL MAILED TO ME!!! FIRE THE INCOMPETENT EMPLOYEES AND GET RID OF XXXX! What is the name of your servicer? XXXX XXXX XXXX Have you contacted your servicer regarding this issue? Yes Have you reached out to the U.S. Department of Education or your guaranty agency ( if applicable ) regarding this issue? Yes Have you worked with another entity, such as a student loan debt relief company ( also known as a third-party debt relief company ), regarding this issue? No Personal Information Edit collapse Name XXXX XXXX XXXX Social Security Number XXXX Your Contact Information Email XXXX Mobile Phone XXXX Alternate Phone XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX United States Military Affiliation No Preferred Method of Contact Email I confirm that all the information above is accurate. PreviousSubmit Your case has been submitted! Case Number : XXXX What's Next? Thank you for submitting your feedback. It may take up to 15 days for someone to contact you. Feedback Case # XXXX Pending Submitted : XX/XX/XXXX Category Repaying My Aid Subcategory Dealing with My Servicer PSLF Form In Progress Last Updated on XX/XX/XXXX XXXX XXXX XXXX House Income-Driven Repayment ( IDR ) Plan Request In Review Date Submitted : XX/XX/XXXX Request Type New Applicant Income-Driven Repayment ( IDR ) Plan Request In Review Date Submitted : XX/XX/XXXX Request Type New Applicant Closed Direct Consolidation Loan Application Closed Date Submitted : XX/XX/XXXX Requested Plan Type Consolidation Standard Repayment Requested Payment Plan Standard Repayment Plan ( Consolidation ) Income-Driven Repayment ( IDR ) Plan Request Closed Date Submitted : XX/XX/XXXX Request Type New Applicant Income-Driven Repayment ( IDR ) Plan Request Closed Date Submitted : XX/XX/XXXX Request Type Recertifying Plan Income-Driven Repayment ( IDR ) Plan Request Closed Date Submitted : XX/XX/XXXX Request Type Recertifying Plan Income-Driven Repayment ( IDR ) Plan Request Closed Date Submitted : XX/XX/XXXX Request Type Recertifying Plan Income-Driven Repayment ( IDR ) Plan Request Closed Date Submitted : XX/XX/XXXX Request Type Recertifying Plan Feedback Case # XXXX Closed Submitted : XX/XX/XXXX Category Repaying My Aid Subcategory Discharging, Cancelling, or Forgiving My Loans PSLF Form Employer Ineligible Completed on XX/XX/XXXX Department of the Treasury Internal Revenue Service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62801
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The condition of my credit report is causing me significant distress, and my disappointment is profound. The situation is not just highly embarrassing ; it is evident that either you or the company is accountable for reporting this inaccurate information. My history reflects consistent on-time payments, and I have never missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Under 605B, the immediate removal of this account is necessary. I am deeply upset that it has found its way onto my credit history, and I sincerely implore you to eliminate this account, as it is not associated with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts show late payments, that is incorrect information that I need to review. XXXX XXXX - XXXX - inquiry XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Additionally, I called XXXX XXXX XXXX XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid XXXX XXXX XXXX {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A