Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX ************************************************************************************* TO : whom it may concern Loan # XXXX Re : The credit report negativity notice for my sons student Loan, by the creditor [ New Jersey Higher Education Student assistance Authority ( HESSA ) ], whom provides student loans to borrowers through the Jew Jersey collage loans to assist State students ( NJCLASS ) .I would like to provide you with the following update : 1- As of XX/XX/XXXX the New Jersey Governor XXXX issued an executive order guidelines to all government departments, Banks, Financial aids, Student loans, Homeowner mortgage, Insurance companies including all type of Loans such Mortgage loans even all property tax collector office and land lords none payment of rent from their tenants, ..

2- The New Jersey Governor also order was includes to do not allow Home owners to evict their tenants for none payment of rent, also no utility shut off whether payment submitted or not. All student loans and mortgage loans will be stopped and suspended and to collection or credit bureau report will be active during the crisis of the pandemic, as kind of relief to the pressure, stress and financial impact of covid-19 crisis. 
3- My son XXXX XXXX XXXX is the loan holder and I am the C/O signer. My son submitted an application to NJCLASS to stop pay the loan following the Governors executive order, but due to lack of responds from the creditor as a result of Covid -19 ( was no workers to process that application caused delay for process and many people thought it was ok but nothing was done! ). 
4- However my son thought that his application was approved therefore stopped pay the loan until I discovered negative remark on my credit report today. MY SON ALSO DOES NOT KNOW WHAT HAPPENED THEREFORE HE CONTACTED THE CREDITOR ( HESSA ) on XX/XX/XXXX to find out what happened? 
5- The Creditor representative stated that as a result of concerning about their worker of XXXX  due to XXXX causing absentee to most of them and state knew that. WAS NO ONE TO PROCESS MY SON S APPLICATION TO REQUEST RELEIF, THEY ALSO STATED THAT THEY WILL CORRECT THE CREDIT REPORT BUT NEVER DONE. 
6- Creditor never notify me as a C/O signer that there are balance due or payment never done, I am also never receive bill or even phone call.

7- After my son learned about what happened he paid that creditor tonight the amount of {$10000.00} ( which is four times equal the amount due {$2800.00} for the covid period of XX/XX/XXXX through XX/XX/XXXX ). 
8- See attached proof that I was able to get it of the creditors system to proof the above facts.

9- I was unable to upload all proof of the payments to XXXX  online due to unknown technical problem on their system to dispute the negative report. That negative report effected me as a c/o signer badly when I tried to refinance my mortgage dropped my scores from XXXX to XXXX! 
Hoping that you can help me by get the creditor removed and bills me monthly as well as my son too. 
10 I am currently XXXX person and unable to travel to the creditors office to explain my side Thank you greatly Very truly yours XXXX XXXX XXXX