Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Oklahoma Student Loan Authority (AL)

I am a young XXXX in my last few months of training. I have a lot of student loan debt from undergrad and graduate school that has been collecting interest for the past 6 years ( under mandatory service-based forbearance during XXXX XXXX/XXXX per this form from the federal direct loan/FFELP- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) while I completed a XXXX XXXX in XXXX and a second XXXX/XXXX in XXXX XXXX. I will graduate later this year and start a job in Arkansas as one of only 2 XXXX XXXX in that state. My husband and I are attempting to qualify for a home loan but there is incorrect information on my credit report regarding my student loans. I have emailed the lender 4 times, sent several faxed letters and called several times but no one at the lender can help me ( and the person in the department who might be able to help me is never available ) and no one from OSLA returns my calls or emails. Here is the initial letter I sent via email and fax to my lender last month : Oklahoma Student Loan Authority ( OSLA ) has incorrectly reported to credit bureaus that my loans were over 90 days delinquent during a time in which my loans were in deferment/forbearance. All of my student loans have been in deferment/forbearance while I am completing my XXXX education and training. I have been a XXXX XXXX XXXX ( at XXXX institutions consecutively- XXXX, XXXX and XXXX ) from XX/XX/XXXX, until the present time and will remain in full time student/resident status until XX/XX/XXXX. My accounts were incorrectly reported as being over 90 days delinquent in XX/XX/XXXX. I have included a letter from my institution stating that I have been enrolled as a XXXX XXXX XXXX in a residency training program at XXXX for the dates in question. I have XXXX loans with OSLA that were reported incorrectly during XX/XX/XXXX. These are the corresponding loan numbers reported to credit bureaus : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, My OSLA account number is XXXX. <P/>I am in the process of trying to get approval for a mortgage in order to purchase a home in the city where I will be starting my new job in Arkansas in XXXX. It is very important that this is taken care of as quickly as possible so my credit reports can be updated. Please send a letter to all XXXX major credit bureaus asking them to correct this reporting. Please also email me a copy of the letter once you have sent it so I can give it to my loan officer. I sincerely appreciate your assistance in this matter. Please let me know what additional information you need from me in order to correct this on my credit report. I am also faxing a copy of this letter and the attached documents to OSLA fax : XXXX XXXX and XXXX.Thank you! ***Please see attached document " signed letter for loans '' to verify XXXX XXXX XXXX in XXXX  training** After I did not receive a response to this request despite sending it to multiple fax numbers and email addresses for OSLA, I contacted the OSLA customer service line again. The person I spoke with there said that she was unable to do anything to help me and I would need to call back later in the week to speak to someone in another department that was not currently available. So I collected more information from the OSLA website ( a copy of the information on the OSLA website is included in the attachments as " XXXX OSLA packet '' ). I then sent that information along with this email to OSLA : I spoke with a customer service person with OSLA today and I would like to submit this additional information to help resolve this. On XX/XX/XXXX, I completed my initial XXXX training in XXXX XXXX at XXXX. At that time, since I had completed that training, I understood that my forbearance on my student loans had ended. The following day, XX/XX/XXXX, I began the second part of my XXXX training in XXXX at XXXX. Believing that my student loans were no longer in forebearance I submitted a forbearance request to OSLA on XX/XX/XXXX. I maintained a copy of the signed request. As it clearly states on the form, the forbearance request is valid for 12 months. I assumed this was correct and did not submit another forbearance request until early in XXXX. At that time I believed I was well before the deadline by which OSLA would need a new request since I had submitted a verified request only a few months earlier in XX/XX/XXXX. I was informed today by the customer service rep at OSLA that it is likely that request sent in XX/XX/XXXX was never processed as it was " too early ''. I was never aware of this. Over the past 3 years I have religiously submitted forbearance request documents to OSLA at least twice per year ( and maintained copies of those documents along with forms showing the faxed forms were sent successfully ) and according to the information available to me on your website, my loans were in forbearance from XX/XX/XXXX to XX/XX/XXXX and years prior to that and since that time as well. I have included a packet of information ( attached to this email ) that is solely obtained from the OSLA website. The first page lists loan numbers and amounts. You will notice the only loans with a balance are loans number XXXX. The following 6 pages ( pages 2-7 ) are the individual loan information for each of those XXXX loans, including the loan numbers which are XXXX, corresponding with the loan numbers on page 1. On pages 8 and 9 of that attached packet with information obtained directly from the OSLA website, those XXXX loans are all listed as being in forbearance from XX/XX/XXXX-XX/XX/XXXX. There is no mention of any dates during XXXX that the loan was in repayment. If the loans were in forbearance at that time- which according to the OSLA website they all were- then there 's no way I could be reported to credit bureaus as being late or delinquent on payments. The information on your own website shows that the reporting to the credit bureaus was a mistake. I will finally start repayment on my loans later this year and will continue to be a good customer to OSLA for years to come if you will please make this right and report the error to the credit bureaus. However, if this mistake is not corrected promptly, I will have no choice but to file reports with the credit bureaus to dispute the inaccuracies as well as reporting to the Better Business Bureau and the government agencies that oversee student loan lenders. I would really like to avoid taking this any further. Please contact me with any questions. Thank you XXXX XXXX XXXXXXXXXXXX I would really appreciate help from you at the consumer financial protection bureau in helping me to get this resolved quickly. We are scheduled to close on our house XX/XX/XXXX, and will need to have verification of the requested changes to my credit report by at least XX/XX/XXXX. I have dedicated my life, my time and my money ( over $ 300K in student loans ) to caring for sick children in a rural state with limited access to care. Please do n't let one mistake by a lender cost me the opportunity to own a home of my own now that I am completing my training.