Consumer complaint received 2020-07-11
Company: Texas Guaranteed
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Since XX/XX/XXXX I started to notice in my XXXX XXXX app that a Company called Trellis Company previously named ( Texas Guaranteed ) was excessively reporting interest accrued to my credit report and I have snap shots of the odd amounts that went up and down. Making it seem to the credit bureaus I was paying it in reality they are abusing the system to hurt my credit score and keep me from ever going over 600 credit score. I was at XXXX and XXXX, preparing to see a significant good change and instead I saw XXXX dollars increase balance??? I called and could not get a straight answer as to why. I later find after digging into their website that they are within the guidelines of the cares act and are in fact abusing the system. 26 payments in a row consistently according to XXXX XXXX?! Its not me making these payments then who is it? I saw in my Student aid account today XX/XX/XXXX that an entity was awarded {$14000.00} where did this money go to? And top of all this all these 4 accounts of students loans were created fraudulently through XXXX  XXXX XXXX and the class action lawsuit they were involved in. In which case I am the victim. They took over {$40000.00} on top of the pell grants and are now making it seem as I owe back. They took a XXXX dollar check refunded back to the school a long time ago when I withdrew and I asked them years ago when I was disputing this because I saw this in the ledger account ; where did this money go? They lied again took the money for themselves and pinned it back on me and thats one of the loans I saw out of the 4 accounts? I am the victim of a course study that I never finished of a 2 yr supposedly Named : XXXX that does not even exist anymore in their lists of courses because the whole thing was a fraudulent activity. They made false promises lied about the course costs and hiked up prices everywhere they could. Charging bogus amounts for an online course? Book materials? Never got books ... it was an online study!!! $ XXXX & XXXX every few weeks for a online course. Very often they kept promoting me to apply for more loans giving me elaborate explanations and it wasnt until XXXX, I started to doubt this school and started researching XXXX XXXX and I saw hundreds of students complaining of the same problem Im stating! Oh and as an added humor, to conclude the latest update on Trelliss company fraudulent activity in reporting to the credit bureaus that increase of XXXX .... accrued interest, well i looked at the debt under XXXX  and saw that the date that it opened was categorized as XXXX XXXX, XXXX????? So I took a loan out before I was ever born?! Right, so while I was yet still in my fathers ... .. I applied for a loan and just happen to be affected by this before my own conception?! I am only XXXX yrs old born XXXX! Really! This is fraudulent period and XXXX  XXXX XXXX does not want to take responsibility for the fraudulent activity of stealing from me a financial stable future as it pertains to my credit and everything else! I am the victim of this school and I am now showing and teaching my son who is XXXX  DONT GO and apply for any loan period enjoy your youth work an honest job build credit and buy real estate own your own company and get out of the rat race!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation