Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I had a multitude of odd XXXXt loans within my XXXX and XXXX accounts for years. The amounts kept changing, getting larger, loan dates originating at times I was not even registered in any school. Fast forward to the loan forgiveness going on now and most of the loans have been removed with the exception of XXXX loans from a servicer called ECSI and XXXX random loans that continue to disappear then reappear in my XXXX account from XXXX. Nothing makes sense, I can never get a straight answer from anyone from XXXX, XXXX or ECSI. ECSI specifically, I never had an account with but they state I have XXXX loans from XXXX schools : XXXX loans in random amounts from XXXX which I never had and XXXX loan in the amount of around XXXX from XXXX, which I never had. There are XXXX loans in the amounts of approximately XXXX and XXXX that would never be considered a student loan due to how low of the amount they are. The other loan is over XXXX and apparently from XXXX when I XXXX wasnt serviced through XXXX it was serviced through XXXX XXXX I called and asked for signed documents and they sent me what looks like a computer generated copy of my original loan from XXXX XXXX that was signed in XXXX. The dates were altered and the signature is a string of numbers. The dates and times they have on these documents as to when it says they were signed are dates and times I know for a fact that I never signed a student loan. 

The other XXXX loans that come to about XXXX and are dated from XXXX, just showed up in my account last month out of nowhere. Actually, there were loans that were in the process of being forgiven but the dates were from XXXX. These loans are now dated back in XXXX. 


My other complaint I submitted regarding the altering of my information is another issue that has been ongoing. I had been a victim of crimes involving DV and identity theft back in XXXX. These were reported to the police in XXXX- where they happened and where I was living at the time. All of my accounts at that point started to be accessed without my knowledge, addresses, phone number and emails altered without my permission. Bank accounts were accessed and I lost money I never got back. Reports were written up completely wrong and I received no help or response with any of these issues. My voter registration was altered somehow, as well. Up into today, I am still finding odd accounts, alteration of my information, hits to my XXXX XXXX and altered info in my credit reports. I live in XXXX XXXX XXXX is still coming up as my place of residence in some accounts or being altered back to XXXX. I have been a resident of XXXX since XXXX it is XXXX. 

I believe my accounts are being altered and accessed from people in XXXX- possibly XXXX XXXX. There is no way anyone could get my information or access to such accounts, alter info, voting registration, affect postal mail and make it look like it is not a hack or make it appear its me, if they didnt have the ability to do so. I had given PII into the police in XXXX when all of these crimes started and they are the only entity that has in depth information like this. I have made reports to XXXX and gave been retaliated after doing so. This is serous and must be investigated. No one is above the law.