Consumer complaint received 2020-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services

Complaint:
XX/XX/ ACS XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It Might Concern, I am writing AGAIN to dispute the following inaccurate, incorrect account information that has been reporting negative details for the past 13 years and 2 months. The 2 specific accounts that I am referring to are located on pages 27-28 of my XXXX, XXXX, and XXXX 3-in-1 credit report that was pulled on XX/XX/XXXX. I have also attached a copy of those specific pages for your review. 
For some apparent reason, ALL 3 creditors are reporting different account numbers, different opening dates, different balances and neither credit bureau has ever actually verified or validated the debt being reported even after being advised that the account information that is being reported by each of them is inaccurate. PLEASE IMMEDIATELY UPDATE BOTH ACCOUNTS PER MY REQUEST AS FOLLOWS FOR ALL 3 CREDIT BUREAUS : 1. CEASE AND DESIST ANY & ALL FURTHER ATTEMPTS TO COLLECT A DEBT! 
2. REMOVE ALL REPORTED HISTORY OF LATE PAYMENTS BACK TO XX/XX/XXXX! 
3. DO NOT DELETE EITHER OF THE TWO 13-YEAR-OLD ACCOUNTS! 
4. BOTH ACCOUNTS SHOULD REMAIN LISTED ON ALL 3 CREDIT BUREAUS!

5. BOTH ACCOUNTS SHOULD BE UPDATED AS CLOSED EFFECTIVE XX/XX/XXXX, PAID AS AGREED, NEVER LATE ON ALL 3 CREDIT BUREAUS! 

I have personally contacted XXXX via telephone on numerous occasions requesting specific details regarding these 2 accounts once I learned that they existed and was incorrectly reporting to my credit. I specifically asked XXXX the following questions : 1. WHAT WERE THE ORIGINAL LOAN DATES? 
2. WHAT WERE THE ORIGINAL LOAN AMOUNTS BORROWED?

3. WHAT SCHOOL WERE THE FUNDS ISSUED TO?

4. WHY ARE THE LOANS REPORTING PAST DUE? ACCRUING LATE FEES? INTEREST?

5. WHEN DID THE LOANS GO INTO REPAYMENT STATUS?

6. WHY WASNT I NOTIFIED IN WRITING VIA U.S. MAIL AT LEAST 60 DAYS PRIOR?

7. WHAT IS THE REQUESTED PAYMENT AMOUNT? DUE DATE?

8. WHAT OPTIONS ARE AVAILABLE FOR DEFERMENT? FORBEARANCE? FORGIVENESS?

9. PLEASE MAIL ME A COPY OF THE ORIGINAL LOAN DOCUMENTS, TERMS, CONTRACT THAT INCLUDES MY SIGNATURE, PROOF OF PAYMENT ISSUED TO THE SCHOOL AND DATE ITEMS WERE CASHED!

10. REMOVE ALL PRE-EXISTING CONTACT INFORMATION FOR ME INCLUDING TELEPHONE NUMBERS, EMAILS AND ADDRESSES FOR MYSELF, FRIENDS AND FAMILY! 
11. DO NOT SAVE ANY NUMBERS THAT I CALL FROM AS A METHOD OF CONTACT FOR ME!

12. DO NOT ATTEMPT TO CONTACT ME VIA ANY OTHER METHOD OTHER THAN U.S. MAIL.

13. DO NOT ATTEMPT TO CONTACT ANYONE ELSE OTHER THAN MYSELF VIA ANY LOANS THAT HAVE BEEN DISTRIBUTED UNDER MY NAME.

14. REMOVE AND CREDIT ALL LATE FEES AND INTEREST THAT HAS ACCRUED TO DATE. 

As of this date, XX/XX/XXXX XXXX has failed to comply and honor my requests. They have NOT sent me any of the items or information that I have previously requested both over the phone or via my previous CFPB complaints. Instead, they sent me an electronically signed item that does NOT provide my actual signature accepting the loan. Please find attached, Navients response to my CFPB complaint that was filed on XX/XX/XXXX after my initial phone attempts to get these issues resolved were not successful! 

I have also contacted XXXX XXXX both via telephone, in person and via email requesting details regarding the loan disbursements that XXXX claims were paid out to them. I requested that the school send me proof of the loan disbursement dates and proof of payment as well. The school has verified each time that I was NOT a student at XXXX in XX/XX/XXXX and that they did NOT receive any funding on my behalf during that school year. Please review BOTH letters that I have attached from 2 different departments of XXXX confirming this. 

XXXX HAS however confirmed BOTH via telephone and attached correspondence in writing that they are NOT the original owner of these loans! That they are NOT the original issuer of these loans. Therefore, they do NOT have the right to collect a debt that they are NOT the owners of or given direct advance notice of their ownership of these items. This debt has NOT been verified or validated by XXXX, XXXX, XXXX, OR XXXX. Therefore, I AM AGAIN DEMANDING THAT MY ABOVE REQUESTS ARE MET BY ALL PARTIES INVOLVED EFFECTIVE IMMEDIATELY! 

The information being reported is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. Each of you have failed to comply, honor, respond, correct, and update the information within the original 30-day timeframe stated by law. In fact, you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX  HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME, CONSISTENTLY EVERY MONTH. 

1. Account # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX 2. High Balance being reported for all 3 credit bureaus : {$2000.00} 3. Last Verified by XXXX on XX/XX/XXXX, XXXX -- XXXX -- 4. Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX 5. Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXX/XX/XXXX 6. Date Opened : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 7. Balance Owed : XXXX {$3700.00}, XXXX {$3700.00}, XXXX {$3600.00} 8. Closed Date : XXXX -- XXXX -- XXXX  -- 9. Account Rating : being reported as open for all 3 credit bureaus 10. Dispute Status being reported as NOT DISPUTED by all 3 credit bureaus 11. Creditor Type : XXXX Government, XXXX  Student Loans, XXXX Miscellaneous Finance 12. Account Status OPEN for all 3 credit bureaus 13. Creditor Remarks : XXXX Dispute resolved, customer disagrees, XXXX Subscriber reports dispute resolved consumer disagrees, XXXX Student loan fixed rate 14. Payment amount XXXX & XXXX {$0.00}, XXXX {$44.00} 15. Late Payment reported by XXXX XX/XX/XXXX PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU LISTED BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 28 : PLEASE NOTE THAT XXXX  IS NOT REPORTING THIS ACCOUNT AT ALL AND CONTINUES TO DISPLAY A PATTERN OF INCONSISTENCIES AND VIOLATION OF THE FCRA BY NOT SUPPLYING THE MOST CURRENT AND ACTIVE INFORMATION AVAILABLE FOR ANY ACCOUNT. 

1. Account # XXXX XXXX , XXXX 2. High Balance being reported by both credit bureaus {$2000.00} 3. Last Verified by XXXX only XX/XX/XXXX 4. Opened XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 5. Closed XX/XX/XXXX XXXX only 6. Account Rating : Transferred by both credit bureaus 7. Payment status XXXX current, XXXX late 90 days All reporting information is inaccurate, inconsistent, missing AND/OR outdated! UPDATE THE INFORMATION EFFECTIVE IMMEDIATELY! Thanks so much in advance!

Company response to consumer: Closed with explanation