Consumer complaint received 2015-05-18
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX/XXXX/2015 I paid off account # XXXX in full in the amount of {$29000.00} to the collection agency " The Law Office Of XXXX XXXX XXXX '' who is the debt collector for the XXXX Higher Education Assistance Authority ( proof attached ) On XXXX/XXXX/2015 I initiated disputes with XXXX, XXXX, and XXXX to update their records and show that the loan had been closed out. On XXXX/XXXX/2015 All XXXX bureaus incorrectly returned a status of " reporting correctly '' after the investigation despite the fact that the loan had been paid off in full. I then used the CFPB to try to get them to correct the error, by launching a " executive investigation '' rather than the typical investigation. XXXX corrected the information upon receiving the documentation provided in this report. However both XXXX and XXXX completed the investigation stating that the account was being reported correctly, despite having official documentation from the creditor. The reports from both XXXX and XXXX state specifically that the " Creditor Claims The Information Is Correct '' which indicates that it is the original creditor that is providing the incorrect information to the bureaus. I am attempting to use the CFPB to contact XXXX XXXX to have HESAA correct the information being reported to the bureaus within 30 days as required under the FCRA. I however am officially stating before XXXX Hesaa launches their investigation into the matter that I do not authorize in any shape or form, a " hard pull '' of my credit records from XXXX, XXXX, or XXXX. Being that the loan has been paid off in full at this point and has been closed, the Promissory note has been fulfilled and is no longer active which was what XXXX stated gave Hesaa the legal authority to " hard pull '' my credit record last time. In addition since the account has been paid off, it is no longer an " active account of the consumer ''. If XXXX and the XXXX HESAA choose to initiate a hard pull on my credit record, let it be known that it is fully against my consent, and that I consider it to be a direct violation of the rights provided to me under the Fair Credit Reporting Act. I do however authorize XXXX and HESAA to conduct a " soft pull '' with the credit agencies to verify the information that is being reported to them. 
In addition to the credit reporting, the account also still appears to be legally listed as " in default '' with the State Of New Jersey despite the fact that the loan and all applicable fees have been paid in full at this point in time. I am requesting that XXXX Hesaa submit a request to the court to " vacate default judgement '' so that my record is XXXX again clear of any legal holds placed by the state in the past. If the state chooses not to comply, I will be pressing suit for damages caused by reporting false information to the credit reporting bureaus which equals a potential total of {$1000.00} for violating the FCRA.

Company response to consumer: Closed with explanation