Consumer complaint received 11-09-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Summary : I can not get a low-interest rate on a Mortgage Loan because Heartland ECSI reported me to the credit bureaus and never notified me that I was every late on a payment when I had set up autopay. 

Whole Story : I would like to move back to my hometown to be closer to my family and before I do so, I want to buy a house there. I saw that my credit score had slowly been decreasing over the past year and a half as to no idea why. I looked further into the matter and hired XXXX XXXX in XXXX or XXXX of this year. That is when I found out that " XXXX XXXX '' ( but its really Heartland ECSI XXXX has been on my credit for years without any knowledge as to why. 

XXXX XXXX sent a letter on XXXX XXXX XXXX to XXXX XXXX on my behalf asking for documentation of late payments ( I 've attached this documentation ) Then XXXX sent back a letter on XXXX XXXX XXXX stating that I had multiple " NSF '' payments over the years ( Letter is attached ). I had absolutely no idea about any type of NSF 's XXXX non-sufficient funds ). I call XXXX and they continuously tell me that I still am late on payments, when I call Heartland ECSI and they are telling me that I am up to date on all of my payments. 

I did further digging and found out that it is Heartland ECSI reported me to the credit bureaus and not XXXX XXXX when XXXX XXXX is what shows up on my credit reporting. ( you can see the attached documentation of a conversation I had with a customer service representative ). 

The XXXX XXXX XXXX XXXX are building my case to dispute this matter with the credit bureaus, however, it has been extremely difficult because everything has to go through XXXX XXXX when Heartland ECSI is the lender that has reported me ( XXXX has not reported me ) There is an attached document of all of my payments with the totals highlighted in yellow at the top. For years I have been accruing over {$600.00} in late fees without having any knowledge that there was an issue with late payments. I never received a phone call, letter, or email in the 6 years that I have had this loan. 

This has been a very difficult process because I have to communicate through my school to get to XXXX, and everyone that is trying to help me is also having a difficult time understanding that XXXX did not report me to the credit bureuas because " XXXX XXXX '' is what shows up on my credit. 

My lawyers are working on building a case to file a dispute however, time is of great importance when I am trying to get a house and move to be closer to my family. I also have no idea how disputes work, I am trying every avenue to get this matter resolved as quickly as possible. 

Not only has XXXX ruined my credit, they have deterred me from being close to my family, and they have also charged me with {$600.00} dollars in late fees when I was never made aware of any late payment. 

If I had known there was an issue, I would have handled this matter years ago however, Heartland ECSI never contacted me about any NSF throughout the 6 years Ive been paying my loan.

Company response to consumer: Closed with explanation