Consumer complaint received 2021-10-20
Company: ECMC GROUP, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
XXXX is my original student loan servicer. XXXX sold my loans to the US Dept of Education and ECMC. XXXX, US Dept of Ed, & ECMC have all re-aged the accounts below. I sent original documents to XXXX showing my Repayment date and date of first delinquency ( a physical print out Account XXXX from the loan servicer, XXXX ). And, XXXX has rejected the evidence and refused to remove the re-aged accounts. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$2300.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX, ( per Navients original documentation ) -- account history shows no payment was ever made ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$280.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$3500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$1500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$1700.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$3500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$2000.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

XXXX XXXX OF XXXX - ORIGINAL BALANCE {$2000.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$2900.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

US DEPT OF EDXXXX - ORIGINAL BALANCE {$2800.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. 

Additionally- this account has a billing error therefore reflecting the wrong current balance. The Account Details document from XXXX ( that I am attaching ) shows that {$2800.00} is the principal balance yet the Loan Details document from XXXX shows that {$4000.00} was disbursed. I did not receive the additional {$1100.00}. I contacted XXXX about the error, XXXX directed me to the school for more info. XXXX University emailed me my XXXX XXXX which shows {$1100.00} was refunded to XXXX yet XXXX never credited the account to show that they received the funds. ( {$2.00} is not accounted for ) Billing errors are not the responsibility of the consumer and I deserve a 100 % accurate credit report. I sent the evidence to XXXX, why won't they remove this erroneous account from my credit report? 

ECMC - ( 2 ) Accounts ORIGINAL BALANCE {$4100.00} ORIGINAL BALANCE {$8700.00} ECMC continues to report that these accounts were opened on XX/XX/XXXX yet XXXX 's original documentation & ECMC 's own original documentation shows the accounts opened on XX/XX/XXXX. ECMC purchased the accounts on XX/XX/XXXX and is reporting that the accounts were opened on the purchase date ( XX/XX/XXXX ). The first date of delinquency which led to the charge-off occurred XX/XX/XXXX per XXXX records. All of this information has been supplied to XXXX ( original documents that were provided by ECMC and XXXX ) yet XXXX still reports these accounts as if they were just opened in XXXX. At the very latest, the accounts should have been removed on XX/XX/XXXX. ( 7 years + 180 days from the first date of delinquency ) Instead, XXXX has been reporting these accounts in delinquent status since XX/XX/XXXX. And, intends to keep reporting them until XX/XX/XXXX ( 11 years in total ). 

XXXX has also lied, stating on my XXXX report that these accounts were opened XX/XX/XXXX. How is that possible when the documents I am attaching show that they did not purchase the account until a year later in XX/XX/XXXX? How is ECMC reporting payment history to XXXX from XXXX? So many falsehoods are being perpetuated. 

Per the FCRA most negative credit information can remain on a credit report for 7.5 years ( 7 years + 180 days ) from the date of first delinquency ( XXXX  ). The XXXX is the date the consumer first became 30 days late and no further payments were made on the account. This date can not be changed and is only established by the ORIGINALCREDITOR who charged-off the account. If the charged-off account is transferred or purchased by a collection agency, the FCRA Compliance date does not change. 

Why won't XXXX remove these re-aged accounts even after I have sent documents proving the accounts have been re-aged? What does XXXX gain by continuing to report these inaccuracies on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation