Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: TX

Complaint narrative:
Requests for CRI to stop reporting and remove adverse credit is incomplete. After several complaints, CRI still has not removed the XXXX and XXXX late payments for the XXXX  forgiven student loans. 

CRI responded with the incorrect effective date based on the " initiated transfer '' date of XX/XX/XXXX from the Department of Education. The lender is legally required to update effective date per the Code of Federal Regulations, specifically Title 34, Section 682.402 ( c ) and Section 685.213, which outline the rules for XXXX  refunds and effective dates.

Effective date : The effective date of the discharge is the date the VA determines the borrower is totally and XXXX XXXX 

For XXXX  student loan discharge Your " XXXX date '' is the effective date of the VA 's determination. For XXXX  student loan discharge purposes, your " XXXX date '' is the effective date the VA determined you have a service-connected XXXX that iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* The Department of Education uses this date. The Department of Education uses this VA effective date to XXXX the XXXX  discharge. * Lender/Servicer Responsibility : " Your lender ( or loan servicer ) is instructed to apply the changes based on the date determined by the official documentation, NOT THEIR OWN PROCESSING DATE. The XX/XX/XXXX date the lender shows appears to be a processing date, not the actual effective date of your eligibility. The correct/actual effective date is XX/XX/XXXX and any late payments reported between XX/XX/XXXX and XX/XX/XXXX should be removed, and you XXXX be eligible for a refund of any payments made during that time. '' The effective date for student loan forgiveness based on a VA unemployability ( XXXX XXXX XXXXing is the EFFECTIVE DATE OF THE VA 'S XXXX DETERMINATION, NOT A DATE SET BY A BOARD OF EDUCATION. 

The U.S. Department of Education ( ED ) is the entity that ultimately provides the loan discharge, but the EFFECTIVE DATE FOR THE FORGIVENESS is TIED DIRECTLY TO THE DATE THE Department of Veterans Affairs ( VA ) DETERMINED THE XXXX  WAS TOTALLY XXXX. 

PLEASE NOTE : * The OFFICIAL VA DOCUMENT and the XXXX XXXX XXXX XXXX document ( attached documents ) received by them, both state effective date of VA XXXX is XX/XX/XXXX. * Also, XXXX acknowledged date approved by VA as XX/XX/XXXX and they are legally obligated to update and remove all adverse credit to include the XXXX and XX/XX/XXXX late payments. 

* * REMOVAL OF LATE PAYMENTS AND ADVERSE CREDIT HISTORY Yes, the regulations require the removal of adverse credit history associated with a XXXX loan. 

* * CREDIT REPORTING ADJUSTMENT : A discharge under these sections requires the loan holder to report the discharge to all consumer reporting agencies to which the loan status was previously reported. 

* * DELETION OF ADVERSE HISTORY : The reporting must include the deletion of all adverse credit history assigned to the loan, which would encompass records of late payments, defaults, and collection activity. After discharge, the borrower is not regarded as in default on that specific loan and becomes eligible for further assistance under XXXX XXXX, XXXX programs.

Company response to consumer: Closed with explanation