Consumer complaint received 2020-06-02
Company: AES/PHEAA
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 17 open accounts with Fedloan Serving that were placed in  forbearance as part of the Cares Act back in XX/XX/2020. Over the course of the past two months my credit scores have plummeted ( in excess of 50 points ) as the information reported to the credit bureaus has been inaccurate - resulting in me no longer qualifying for a mortgage I was pursuing. I have made numerous calls to Fedloan in an attempt to get this corrected. During one call I was advised it was a credit bureau issue and to file disputes with all three agencies, which I did and they're still under investigation. During another call I wasn't getting any resolution through the Fedloan agent and requested a supervisor. The supervisor advised me of an option to submit a credit dispute directly through Fedloan, which has to be done through the mail. During the most recent call with Fedloan, the agent began laughing as I was asking a question relative to the latest information being reported by Fedloan to the credit bureaus. Below, is a breakdown of the discrepancies from each credit report obtained from XXXX, XXXX, and XXXX  ( PDF also included showing examples ) : XX/XX/20 XXXX  - Account Status - Closed, Payment Status - Pays Account As Agreed, Comments - Payment Deferred, Payment History - No XX/XX/XXXX Payment History Reported XXXX  - Account Status - Open, Payment Status -Pays As Agreed, Payment History - No Payment History Reported for XX/XX/XXXX XXXX  - Account Status - Open, Payment Status - Current, Was 180 Days Past Due, Comments - Payment Deferred & Account in Forbearance, Payment History - XX/XX/XXXX Payment History Reported XX/XX/20 XXXX  - Account Status - Closed, Payment Status - Pays Account as Agreed, Comment - Payment Deferred, Payment History - No XX/XX/XXXX Payment History XXXX  - Account Status - Closed, Payment Status -Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XX/XX/XXXX XXXX  -  Account Status - Closed, Payment Status - Current, Was 180 Days Past Due, Comment - Payment Deferred, Payment History - XX/XX/XXXX Payment History Reported XX/XX/20 XXXX  - Account Status - Closed, Payment History - Pays Account As Agreed, Comment - Payment Deferred, Payment History - No XX/XX/XXXX/ XX/XX/XXXX Payment History Reported XXXX  - Account Statue - Closed, Payment Status - Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX XXXX  - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XX/XX/XXXX and XX/XX/XXXX Payment History Reported XX/XX/20 XXXX  - Account Status - Open, Payment Status - Pays As Agreed, Payment History - XX/XX/XXXX Payment History Reported, No Payment History For XX/XX/XXXX XXXX  - Account Status - Open, Payment Status - Pays As Agreed, Payment History - XX/XX/XXXX Payment History Reported, No Payment History For XX/XX/XXXX XXXX - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XX/XX/XXXX and XX/XX/XXXX Payment History Reported

Company response to consumer: Closed with explanation