Consumer complaint received 2022-07-07
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FED LOAN SERVICING has purposefully reported malicious and incorrect information on my XXXX, XXXX, and XXXX Consumer Report for five federal direct unsub student loans. -- -- -- -- -- -- -- -- They have systematically reported maximum and objectively impossible delinquencies, loan account attributes, and other negative information on my consumer credit reports. Furthermore, I believe this reporting has been done by FED LOAN SERVICING with malicious intents and purposes. The reason I believe this is because they are bitter about not renewing their contract with the Department of Education and losing all that respective business, possibly because of the new consumer forward student loan servicer/borrower agreement required? -- -- -- -- -- -- -- -- When you look at my reports it is very clear what I am referencing, they are maxing out delinquency attribution for each individual loan on my credit reports completely ignoring the fact that what they are reporting is objectively impossible. Because FED LOAN SERVICING is doing this, my newly found employment which will allow me to finally become a good federal student loan borrower, is seriously in jeopardy and at risk. 
On top of FED LOAN SERVICING reporting incorrect information on purpose with malicious intent, they are using a dirty XXXX reporting strategy/trick to limit the number of reports from consumers like myself regarding this gross violation of consumer rights. 
Explained : Most consumers only use XXXX of the major XXXX ( XXXX, XXXX, XXXX ) to check their report. I initially disputed the incorrect information on my primary platform XXXX, and they removed it accordingly. They also moved forward and maximally damaged my XXXX and XXXX XXXX. Since most consumers only check XXXX XXXX, even if they dispute all 3, they are only going to check their primary consumer platform, FED LOAN SERVICING knows this, and thats why my XXXX report does not contain any information about FED LOAN SERVICING. 
To make matters worse, XXXX dont even listen to disputes anymore, and why not, consumers dont have the money or time to do anything about it in a court of law. 
I am assuming FED LOAN SERVICING is not held accountable in accordance with FCRA/FDCPA under these past student loans, that is why they think they can get away with this. This is the most disgusting violation of consumer rights I have ever seen. Furthermore, it is unamerican. -- -- -- -- -- -- -- - By unamerican, I mean the following : FED LOAN SERVICING lost their customer contract to a better competitor, so with spiteful and malicious intent they are now leveraging their old borrower contracts through one loophole or another to damage their competitors ( ex. XXXX ) business by reducing the chance that borrowers will have the ability to pay their new servicer back through damaging of the borrowers consumer report. -- -- -- -- -- -- -- -- - There are more things FED LOAN SERVICING is doing to take advantage of uneducated consumers, for example their name, I just found out 6 months ago that they are not government affiliated, but you wouldnt know this by their egregious attempts to exemplify that fact. Id attach explanation of the reports in question, but Im scared they will come after me if they find out who I am. Its not very difficult to see what they are doing by looking at my attached reports. -- -- -- -- ---

Company response to consumer: Closed with explanation