Consumer complaint received 2018-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I repeat that I have been monitoring my credit reports to make sure that all accounts are properly validated. Two of the accounts I have been disputing have been American Education Services loan reportings -- AES/XXXX  ( original : {$14000.00}, balance : {$22000.00} ) and AES/XXXX XXXX ( original : {$14000.00} ; which apparently transferred to AES/XXXX ). That complaint regarding issue with the credit reporting of these two accounts still stands, but in addition, that complaint is regarding the documents that were sent to me from AES/XXXX claiming that the accounts are validated and verified. Their exact words are, " American Education Services ( AES ) has determined that the loan ( s ) listed on the back of this letter is valid. Accordingly, we have enclosed copies of the documents that confirm your obligation to repay the loans. The original Creditor name and address can be found in this enclosed document. '' 1 ) I have never seen a lot of these documents ever in my life, so seeing my signature there is quite amazing. The " Consolidation Loan Verification Certificate '' -- never before seen. The extraordinary magic letter from XXXX XXXX , XXXX -- never before seen. The original creditor IN the Performant letter named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- who in the world is this? LOL -- never before seen. There's even a botched rendition of my signature on this letter. Okay, really? Try harder. The document titled, " Financial Disclosure for Reasonable and Affordable Rehabilitation Payments '' -- never before seen. Yet, it claims it was emailed XX/XX/XXXX. Please tell me how someone is responsible for something they've never seen or signed. Yet, this is all still being pushed as proof. The only one I have seen was the document dated in my hand on XX/XX/XXXX -- that I know for a fact was not sent to AES, XXXX XXXX, or XXXX. 2 ) Therefore, I continue to stand by the fact that I never signed an agreement with AES, XXXX XXXX, or XXXX. You MUST provide original provide an original contractual agreement in its original form, bearing my actual, wet signature and of which THOSE DOCUMENTS MUST EXPLICITLY STATE AN AGREEMENT WITH THE COMPANIES THAT ARE REPORTING ON MY CREDIT REPORTS. You have still not done this, so no, this process is not over. Moreover, you are still under violation of the FCRA & FDCPA because you are reporting an invalidated, unverified account and have not supplied an original instrument of indebtedness bearing my signature that CLEARLY states obligation to pay the companies that are reporting in my credit files -- AES, XXXX XXXX, and XXXX. You must provide this, but if you do not, you must DELETE the unverified, invalidated accounts ; the one shown as closed AND the one showing open. I am not to receive bills, lists of disbursement dates, or copies of random documents that I, the consumer, hasn't even received. 3 ) Under the FCRA & FDCPA, validate & verify with proof that all of the addresses and email addresses are indeed mine. Obtaining notice of the said loans and being responsible for the receipt of them is crucial. It is negligent to say that debts this large are mine simply because information is on a page ; you must prove that it actually is mine AND THAT I RECEIVED THIS INFO, WHICH I KNOW I DID NOT.