Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NC)

To whom it may concern, Im hoping to get this credit reporting issue resolved asap. There are 10 different accounts with XXXX reporting on my credit reports, XXXX, XXXX, XXXX, and other reporting angencies such as XXXX. These loans are currently showing closed and have all been transfered but have late paymens on each loan from XX/XX/XXXX-XX/XX/XXXX. The loans went into default in which I was unaware of. These loans should have never went into default because they were suppose to be in deferrement/ forbearance at the time they went into default. Once I became aware of the loans being in default, I was told I could do the loan rehab and make 9 payments of $ XXXX  monthly and the loans would be back in good standing. I enrolled into the program and set up automatic payments. I have been trying to get this information corrected for quite some time now. Everytime I call in to XXXX, I speak with a different person who seems to give different information and or tell me steps to take to get the incorrect info removed. Starting back in XX/XX/XXXX, XX/XX/XXXX, I spoke with XXXX and explained the negative reportings showing on my credit reports which was incorrect. He was able to pull up my loans but told me that he did not see any negative reportings and that usually if there were any negative reportings that once the rehab was complete, all negative reportings/ failed to pay would be deleted. My next conversation was with XXXX on XX/XX/XXXX, who pulled up my loans and stated that all the negative reportings had been deleted and that i would need to dispute the incorrect information with each credit bureau. I did exaclty what XXXX advised me to do. I gathered my latest credit reports which still showed late payments/ failed to pay and disputed through each credit bureau. On XX/XX/XXXX I received the dispute results saying the information had been verified and was accurate. At this point, on XX/XX/XXXX, I call XXXX again, this time I spoke with a XXXX. Explained to her the late reportings and that I had already disputed with the credit bureaus and that the credit bureaus would not remove the incorrect info because they said the information was verified as correct. She stated she didnt see any negative reportings and sounded a bit confused as to what was going on and why the credit reporting agencies would say the info was verified. She then told me I needed to fill out the XXXX direct dispute form and mail it in. She told me she would mail me the form, verified my correct address, however she did not send me the form because I never got It. I went on XXXX website, printed the dispute form and mailed it in along with a letter explaining my issue. I sent the form and letter by certified mail on XX/XX/XXXX which was confirmed delivered on XX/XX/XXXX. As of today, I have yet recieved any responce back from XXXX which is very unprofessional. I have been back and forth with XXXX, have done everything they have asked me to do and yet my issue is still not resolved. I will attach the letter I sent with the fedloan dispute form. Please either remove the late payments or remove the accounts all together. Thank you.