Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am disputing all four negative / delinquent accounts with XXXX XXXX. The aforementioned accounts are being disputed because an agreement with XXXX XXXX was initiated on XX/XX/XXXX to have payments reduced and changed to Income-Driven Repayment Plan due to a change in lifestyle and finances. I was advised that I would be granted a reduced payment forbearance so the change could occur. The reduced forbearance payment was {$5.00}. The payment was supposed to be automatically drafted from my XXXX XXXX XXXX XXXX XXXX XXXX account on XX/XX/XXXX, but was not drafted ( even though XXXX XXXX drafted the other account on XX/XX/XXXX ). This error has caused my account to show delinquent in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all credit agencies. 

I called XXXX XXXX to remind them that I was on a reduced payment forbearance on XX/XX/XXXX, after I noticed theyd drafted {$360.00} from my account, as well as {$42.00}. They assured me that the {$5.00} would be applied to my account in both XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX the reduced forbearance payments were applied. On XX/XX/XXXX, the income-driven repayment plan went into effect and was partially drafted from my account ; Only {$190.00} was drafted, not the amount for {$33.00}. 

The enclosed documents will prove that the four negative / delinquent accounts with XXXX XXXX was an error on XXXX XXXX. Again, XXXX XXXX has automatic access to draft my account for student loan payments. These payments are supposed to come out of my account each month on the XX/XX/XXXX and XX/XX/XXXX to prevent delinquency. The {$5.00} payments for forbearance had to be manually withdrawn from my account, which meant I had to call them and ask them to take it out of my account I did that each month ( two months because XXXX XXXX failed to apply the forbearance when I initially signed up for it on XX/XX/XXXX ). 

In addition to my accounts being reported as delinquent, I was not given proper notification advising me of these issues. XXXX XXXX had my telephone number, mailing address, and email address to advise me of any issues they were having with my account, and the company failed to advise me. 

XXXX XXXX have recently ( XX/XX/XXXX ) informed me that a standard level payment ( SLP ) of {$590.00} was not paid after I changed my plan. According to XXXX XXXX I was supposed to ask for a forbearance to cover the SLP of {$590.00}. The {$590.00} was taken out of my account between XX/XX/XXXX and XX/XX/XXXX. I agreed to the Income-Driven Repayment Plan ( IDRP ), a contract, which is enclosed. That plan / contract did not inform me that an SLP would be applied to my account. According to the IDRP, I would be granted forbearance for the months I paid {$5.00}. 

The inaccurate reporting has caused my credit rating to plummet, as well as my morale. Ive disputed XXXX and have received no support. I pride myself on my ability to pay my bills promptly, with minimal debt. I have NEVER been late in paying XXXX. XXXX has diminished my credit score and my trust in the most disrespectful way. It is my hope that the above-referenced accounts with XXXX XXXX be updated and restored from negative markings.