Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (FL)

ACS/XXXX XXXX XXXX XXXX This is a education loan which was consolidated. It states on my credit reports it is closed but was past due 90 days. I was never past due on this loan. This loan is reporting inaccurate information. I started an investigation with ACS and they have not remedied the problem. 

ACS claims my loan came out of deferment/forbearance XX/XX/XXXX and I did not put it back into deferment until XX/XX/XXXX. Thereby making it 90 days late. 
ACS and I were in contact in XX/XX/XXXX, regarding this loan. I requested this loan be put into deferment at the time it was due. It is claimed that I did not do so until XX/XX/XXXX. 

I was never contacted at my current living address or current number at the time they allege that they tried to contact me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My address in XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX. My telephone number is the same as it is today XXXX. I was in contact with all my student loans and all were consolidated XX/XX/XXXX with NO other loan having a lapse of payment/deferment/forbearance status during this period. This is the only loan reporting in error 90 days and also reporting in error to the credit bureaus conflicting dates. 

I requested by email written communication to ACS they : 1. Please provide me with copies of all unemployment deferment and or forbearance documentation submitted. 

2. The contact information they had listed the dates between XX/XX/XXXX-XX/XX/XXXX.  Including addresses and telephone numbers allegedly used to contact me. 

3. Please provide me with the first date of delinquency/ late payment and which date was reported to the credit bureaus. 

XXXX credit reporting agency confirmed XX/XX/XXXX, ACS reported my payment being in good standing XX/XX/XXXX through XX/XX/XXXX, with the first date of late payment being XX/XX/XXXX. Due to be removed from my credit 7 years from the first negative reporting date. Resulting in removal XX/XX/XXXX.However ACS claims I was delinquent since the first payment was late XX/XX/XXXX. Even if they assert and allege I was initially late XX/XX/XXXX, they are reporting inaccurate dates to the credit report as the first date of delinquency/ missed payment. thereby extending the time will be reported and remain on my credit report inaccurately.. 

Their response toCFPBcase # XXXX states my first payment due XX/XX/XXXX was not paid or put into a deferment until XX/XX/XXXX. 
( This is in response to complaint XXXX, which outlines XXXX XXXX concerns regarding her account. XXXX XXXX XXXX XXXX, doing business as ACS Education Services ( ACS ) previously serviced three Federal Family Education Loan Program ( FFELP ) loan accounts for XXXX XXXX on behalf of XXXX XXXX XXXX ( XXXX ) and one FFELP loan account on behalf of XXXX/XXXX. XXXX XXXX XXXX and XXXX contracted with ACS to maintain servicing, repayment and collection activities on their student loans. While ACS is the primary contact for the servicing activities, the loans were owned by XXXX XXXX XXXX and XXXX and serviced per the terms of the loans Promissory Notes and Federal Regulations. The XXXX/XXXX loan was a consolidation that that included the balances of the three XXXX loans. This loan entered repayment on XX/XX/XXXX. Our records indicate that the account was in forbearance from XX/XX/XXXX, through XX/XX/XXXX. Once the forbearance ended, the next monthly installment was due XX/XX/XXXX. Payment was not received by ACS, and no additional forbearance or deferment options were requested until XX/XX/XXXX. Notifications were sent to XXXX XXXX via mail to inform her of the past due status. ACS had also attempted to contact XXXX XXXX by telephone without success. ACS reports account status to the National Credit Bureaus every month. We begin reporting a delinquent status once the account  reaches 60 days past due and will continue negative reporting every 30 days until the account is brought below 60 days past due. XXXX XXXX was reported as 60 days delinquent in XX/XX/XXXX, and 90 days delinquent in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX submitted an Unemployment Deferment application. The deferment was approved, bringing the account current, and deferring payments through XX/XX/XXXX. XXXX XXXX Unemployment Deferment was received and applied after the delinquent status was reported to the credit bureaus. The account status was accurately reported to the bureaus and is unable to be removed from her history. On XX/XX/XXXX, the account was paid in full by consolidation. This status was reported to the National Credit Bureaus at the end of XX/XX/XXXX. ) This is conflicting information that has been provided toCFPBalong with the credit bureaus and myself.