Consumer complaint received 2019-02-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Account # XXXX Current Amount : {$15000.00} GOOD Standing Balance : {$12000.00} GOODWILL LETTER FCRA Section 609 Dispute To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payment was reported on XX/XX/. 
I do not agree with this entire loan balance. I have been very patient with XXXX and explaining and providing documents that this loan does not belong to me. This is a fraudulent account. I have been trying every step to prove to you from documents, bankruptcy and disputing with the credit bureaus. 
This loan is currently in forbearance, how is it possible that it jumped from {$12000.00} from XX/XX/ to {$15000.00}, in one month? Then I am also seeing different balances on my credit reports vs. when I am currently viewing myfedloan account, as I am typing this letter. This is false amounts, each an every time. This is going again the Fair Credit Reporting Act 15 U.S.C. 1681. One of my Credit reports are currently showing {$15000.00}, as I am typing this letter. Everything is not being treated legally on this account. XXXX is in violation of reporting inaccurate information. My account balance should be {$0.00} and due to the violation, I am seeking money back for the damages that this has caused to my name and credit scores. There are illegal interest fees being charged on this account. This issue needs to be resolved immediately. 

XX/XX/ XXXX XXXX XXXX Account # XXXX Current Amount : {$15000.00} GOOD Standing Balance : {$12000.00} GOODWILL LETTER I am challenging you all to show me proof that this is my debt and that I actually owe XXXX. Plus, this information is more than XXXX XXXX XXXX and must be removed from my file, on top of it not belonging to me in the beginning. 
Please provide to me the information that you gave to my credit reports, to XXXX XXXX XXXX, that you want to claim that this is correct information? 

I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation