Consumer complaint received 2021-01-28
Company: AES/PHEAA
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fedloan Servicing, XXXX, Fedloan, and XXXX are all account that do not belong to me and are all fraudulent. 

I sent a letter to Fedloan Servicing on XX/XX/XXXX asking them to vilidate the debt for the amount of {$86000.00} that they have showing on my credit report. I have repeatedly asked them for the original instrument of indebtedness in exchange for direct immediate payment in full and in return they ignored all requests and just send me pay off letters with balance. All letters I sent them were notorized and made copies of and tracking numbers which are also below. I have copied and pasted each letter below to give you a better understanding with dates. 

XX/XX/XXXX To whom this may concern, I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/XXXX, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Thank you very much. 

They responded with balance pay off letter saying the amount owed and how to pay. Then I sent another letter XX/XX/XXXX To whom this may concern, I have sent you my request dated XX/XX/XXXX for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 

It is apparent that you have overlooked or ignored my request. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/XXXX, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. 

They again sent me a payoff letter and how to pay it only. I then sent another letter XX/XX/XXXX To Whom It May Concern : Thank you for your letter of dated XX/XX/XXXX, wherein you confirm my outstanding balance as requested. 

It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XXXX XXXX, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. 

After all of this no response just back to back calls from them without removing it from my credit. After that I sent all notorized letter to Fedloan Servicing to all three credit beuraus asking them to have it removed and why. When doing this I noticed that on equifax and transunion it disappeared. Then soon after it reappeared under Fedloan Servicing with the same account however this time instead of many it was one with all the balances combined. 

This creditor has ignored my request to provide the original instrument of indebtedness in exchange for direct immediate payment in full. They instead kept sending me loan payoff balance with instructions. This creditor has ruined my credit and disabled me and my family from obtaining better credit from others can you please have this removed from my credit expeditiously, it is fraudulent and does not belong to me!!! 


Sent XX/XX/XXXX @ XXXX Priority ( 3-day ) Mail cost {$21.00} Signature required USPS Tracking numbers # XXXX XXXX

Company response to consumer: Closed with explanation