Consumer complaint received 2016-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am currently on XXXX and have been homeless for 3 1/2 years. Years ago, I was doing my XXXX degree when they told me I had precancer stage. At the same time, my child who was born in XX/XX/XXXX here in XXXX, was having problems related or unrelated to her medical condition. I had to stop my XXXX because I reached the maximum allowed at the time {$130000.00}. This was in XX/XX/XXXX. As a result of my child 's medical issues, I entered into what is called economic hardship. Also, I tried to repay my student loans in what is called XXXX XXXX XXXX Areas by working the loan for a minimum salary and for every year of service my loan was going to be repaid for up to {$60000.00}. Unfortunately, these services had to be rendered in areas which are remote and the health care availability is limited. I could not do this because my child was born with XXXX which required treatment in a limited number of hospitals in the US. We lived in XXXX, XXXX where my son from a previous relationship lived with his father and my husband at the time also lived there as well. In XX/XX/XXXX, she required a XXXX XXXX XXXX with her neurosurgeon, XXXX XXXX XXXX, XXXX, the famous XXXX from XXXX, XXXX, who was recently running for President of the XXXX XXXX. I know XXXX XXXX since XX/XX/XXXX. He has done XXXX related to her condition since then. Every XXXX required me to move to XXXX, XXXX and stay there for months at a time. My career as an XXXX gave me flexibility and the ability to work. I never thought that what the agencies handling my Student Loans where going to add outrageous charges in addition to the interest rates. My loans went from {$130000.00} to {$330000.00} approximately. The last company that handled my loans add {$60000.00} in charges called " handling charges ''. These handling charges have ruined my life because I can not get a place to live. The harassing calls are or were day and night. 
In the midst of all this ( XX/XX/XXXX to XX/XX/XXXX ), I was dealing with a live and death situation. Even when my daughter was sick in the hospital, they will call to see if I could pay them back, and even when I try to enter their programs, I could not pay them back. I was dealing with a very sick child. 
In XX/XX/XXXX, I relocated and I left behind my son and my husband. My son is a stranger and my last husband decided to move on with his life. I lost my job in XX/XX/XXXX and I moved to XXXX, XXXX. In here I have been homeless since XXXX XXXX, XXXX. My daughter is living in a foreign country and I am fighting as soon as I can to get everything straightened out because she has already turned XXXX and she needs treatment here in the US or rather follow ups. 
My biggest challenge has been the student loans, and today I, after obtaining my XXXX from Social Security, I feel less stress since I know that I will not lose my job because my kid is sick. 
I received my XXXX for the first time in XXXX XXXX. I have not been able to obtain housing for my child and me because in the Credit Reports it shows my loans in Default. They are not in Default because on XXXX XXXX, XXXX, the Department of Education approved my XXXX. Thank God Almighty for this. 
I would like the Credit Bureaus to expedite my request to remove me from adverse credit status since the loan is to be transfer back to the Department of Education, where it will be there for 3 years until it clears completely since my XXXX is expected to last 5 or more years. Perhaps this might be a Blessing since now I can dedicate time to myself once I find a permanent place to live. Please help us to obtain our home. My daughter and I have been homeless under the law since XX/XX/XXXX, XX/XX/XXXX or so. Thanks. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation