Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

After graduating from my XXXX  at XXXX, my student loans were serviced through XXXX. When I obtained employment that qualified me for Public Service Loan Forgiveness, I was notified that my loans would be transferred to Fed Loans for servicing due to this program in May of 2018. In June of 2018, I contacted Fed Loans to begin the process of being approved for the programming. I was told that my account would be placed in Forbearance/Deferment while I gathered the appropriate documentation from my employer and concerning my income to be considered for the Income Driven Repayment Plan and Public Service Student Loan Forgiveness. I had the documentation completed by my employer and sent to the provided agency. I thought everything was taken care of and my payment would be $0. In late July, I received notification that I had a monthly bill of over $1000 due to Fed Loans in August. I called as soon as possible and that was on XXXX XXXX. In that phone conversation, I was told it was an error and that my records showed that I should of been placed in Forbearance and/or Deferment and that they would prompt the appropriate paperwork (again) which would automatically place me in either forbearance or deferment for them to be able to review the paperwork. At the beginning of September I found that I had been reported by FedLoans for being 90 days delinquent. I immediately called Fed Loans, was told again it was an error on their part and that they would remedy the situation which would be changed by the beginning of October. I was in the middle of obtaining a loan to make repairs to a home that I bought and my credit score dropped by almost 120 points. October came and they still hadn't corrected the error. Several months later, they changed the status of my loan to no longer delinquent but despite multiple calls and disputes, they have continue to report that I was 90 days delinquent in August of 2018. I have attached the letter another complaint that I have made to Fed Loans, my phone records showing the calls that I made to Fed Loans in June, August, September and October (I have more but printer ink is limited), an email from FedLoans confirming my contact with the company on August 3rd, 2018, the results of my credit disputes where Fed Loans confirms that my payments were on-time in May 2018, June 2018, July 2018 but somehow 90 days delinquent in August 2018, print outs from my Fed Loans Account that show that I have 0 days delinquent and a letter from them stating that I have 0 days delinquent. It has been almost a year and Fed Loans has still not removed this from my credit reporting and despite significant efforts on my part to repair my credit, I have still been able to gain only 20-30 points after loosing almost 120 points to their error. I have seen that they have been sued for these same errors and have been found to do this to consumers repeatedly who have also made multiple complaints with the same exact experience. I do not understand if it takes just a simple click of a button for them to ruin a person's financial health and so many opportunities, why it is so difficult for them to fix these errors. I really, really need help. I cannot wait another 6 years to be able to provide a home to my children or refinance the high interest loans that I have been forced to resort to due to how the "90 Days Delinquent in August 2018" on 3 to 5 student loans (depending on the credit agency) effects my credit score.