Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (IN)

Good afternoon, This has been an ongoing battle between XXXX  and XXXX and the student loans servicer XXXX and how the final outcome of my loans are now being handled. Although my loans were in collections for quite some time due to the fact that my health continues to keep me from entering the workforce. Finally the best opportunity to take care of my outstanding students and I had acted accordingly. To me this process was cut and dry, routinely pay the monthly bill until the loan is in good standing and then do whatever I needed to do to make these loans " paid in full ''. What I thought was going to be a very simple process ended up being the most frustrating and ludicrous endeavor but not because of anything I was doing. Once the loans were starting to get paid down I was seeing all types of alerts from XXXX  and XXXX. Account monthly payment made. While this process carried on monthly I was seeing other updates and alerts. One was account no longer current or accounts 60 days current now deragatory. I was in routine contact with XXXX and was told that nothing should be happening! We have not released any information on these loans yet! I was told to contact the original loan provider and ask what is going on and I was told that this is the process but once everything is final all this deragatory information will be irrelevant! No, that is not how things were transpiring or were supposed to transpire and I was caught in the middle of all this watching my credit score fluctuating weekly by hundreds of points. These agencies have reported all types of inaccurate information that I have to keep mounting disputes over. Of the 33 records on file in regards to my student loans there's a hodgepodge of different types of scenarios. Seven of the thirty-three records are being reported as outright charge offs! They are basically reporting that they have been unable to recover these accounts when in fact they are just normal transfers! I make every attempt to bring this to the credit reporting agencies to dispute these deragatory charge offs and they refuse to dispute them. They tell me to contact original lender. After speaking to Fed Loan and getting nowhere I again contact the reporting agencies and they tell me that I have to take this up with the original lender. So while this is going on a huge portion of my XXXX check over six months to secure the fact that all my student loans were getting at least the bare minimum each month so they all will be in good standing before executing the pay offs.I was already told by an individual at the Fed Loan that if the money was not applied properly than there's nothing that can be done about a loan getting the monthly payment. They have a word for that, it's called theft! 
The last situation that has now sent my credit score back to the basement is a student loan that had a different label attached to it unlike the others. This loan has XXXX University in the title and is now back again on my credit report sending it down to the bottom of this bottomless pit! This loan also was paid routinely every month until it was in good standing and then paid in full! There's nothing else deragatory on my credit reports. This isn't that complicated and I am tired of XXXX  and XXXX not reporting my information correctly. This XXXX University account has been disputed three times now and in a week or so it's back and every time it comes back it destroys my credit worth that much more!