Consumer complaint received 2018-10-11
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 — Investigation took more than 30 days
Company: AES/PHEAA (LA)

XX/XX/XXXX Consumer Financial Protection Bureau Complaint Department XXXX. XXXX XXXX XXXX, IA XXXX XXXX : Unresolved Credit Dispute with XXXX XXXX XXXX Dear Sir or Madam : My name is XXXX XXXX and I am writing to you about a negligent credit reporting error made by XXXX  XXXX XXXX that remains unresolved and has negatively impacted my completing my education and my career. 

In XX/XX/XXXX I submitted an application for an Income Based Repayment Plan to XXXX XXXX my Federal Loan Servicer. XX/XX/XXXX my application was approved for a $ 0 monthly payment to begin XX/XX/XXXX, that payment was good for 12 months as the document attached will confirm. 

XX/XX/XXXX I submitted a PSLF ( Public Service Loan Forgiveness ) Application to XXXX  XXXX XXXX as they are the designated service provider for this program. My loans were to be transferred to XXXX  XXXX XXXX with the {$0.00} payment that I was currently scheduled for. 

In XX/XX/XXXX I learned that my credit score had gone  down and XXXX  XXXX XXXX has reported me negatively to the credit reporting bureaus for {$0.00}. I had just been accepted to XXXX XXXX and due to this I could not receive any FASFA funding and had to drop my classes this semester. 

Per my conversation with XXXX at XXXX XXXX XXXX   XX/XX/XXXX I was told that when they received the loans from XXXX XXXX there was a past due amount of {$0.00} so they reported me to credit. However, during my call with XXXX at XXXX XXXX she stated my account was in good standing with no past due balance at the time the loans were transferred and a payment of {$0.00} is not even possible. 

XX/XX/XXXX I had a three way call with XXXX ID # XXXX at XXXX XXXX and XXXX ID # XXXX at XXXX  XXXX XXXX to address this error. I was advised by XXXX  XXXX XXXX to submit a Credit Dispute and supporting documentation and they would have to correct their mistake by 30 days from the day my Credit Dispute was submitted  which I did the same day through my on-line XXXX  XXXX XXXX account. 

XX/XX/XXXX I uploaded my proof from XXXX XXXX dated XX/XX/XXXX to my XXXX XXXX XXXX  on-line account. 






XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX XXXX XXXX and spoke with XXXX who confirmed they have received both of my documents and my file was being reviewed to address their error. I was told to follow up XX/XX/XXXX for an update. 

XX/XX/XXXX per my conversation with XXXX ID # XXXX at XXXX XXXX XXXX I was told the file review was still in process but not to worry the documentation provided by XXXX XXXX was exactly what they needed to correct the issue and she advised me to follow up XX/XX/XXXX that it would be done by then. 

XX/XX/XXXX I checked my XXXX XXXX XXXX on-line account and found a letter in my in box dated XX/XX/XXXX stating that they needed more information and I needed to submit a Credit Dispute Form. I spoke with XXXX ID # XXXX at XXXX XXXX he confirmed they already had the form and he advised me that the Credit Reporting Dispute was not completed yet and he agreed by the Fair Credit Reporting Act they needed to complete it that day. I requested proof in writing that the issue had been resolved via email and he told me to follow up again XX/XX/XXXX. 

XX/XX/XXXX I spoke with XXXX ID # XXXX at XXXX XXXX and he stated they only started the review of my dispute XX/XX/XXXX and that they should never have reported anything under {$5.00} negatively to credit and that the review would be done by XX/XX/XXXX. 

Today, XX/XX/XXXX I checked my XXXX XXXX XXXX on-line account and found a letter in my in box dated XX/XX/XXXX stating that they needed more information and I needed to submit a Credit Dispute Form. A copy of this document is attached. 

I am trying to start school XX/XX/XXXX to be an XXXX Nurse but if this matter is not resolved I will not be able to obtain funding. I am so frustrated by this ordeal and I can not seem to get anyone at XXXX XXXX to address the issue. I did not know what else to do but contact you in the hopes that you might be able to assist me in this matter. 

I have attached all of the supporting documentation I have referenced to support my position and I am respectfully requesting your help. Thank you in advance. 

Sincerely, XXXX XXXX XXXX XXXX