Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MS

Complaint narrative:
I have been paying on all of my federal student loans for over XXXX years now. Currently, those loans are in good standing and I have a low payment because of economic hardship of being in-between jobs. I began receiving random letters about a XXXX loan that XXXX University stated belonged to me. I tried contacting them in the past but unfortunately I was never able to get through. I finally contacted them and spoke with guy concerning my transcripts. Every time I tried to apply for a job ( over XXXX  years ) and they needed an official transcript, I was never able to get the job because XXXX University blocked me from getting transcripts because they claimed I had an unpaid balance. The guy I spoke with last year said he sees a hold was on the account but it no longer shows active. Yet, I still couldn't get an official transcript but I could finally log in and get an unofficial transcript. I had to wait until XXXX to be able to obtain a view, unofficially, of my transcripts. 

Well, I continued to receive notifications about this XXXX XXXX that I have no idea about. I took out XXXX federal loans, all direct or indirect, and have been paying on them. The loan started reporting to my credit report in good standing around XXXX of last year. I decided to dispute this XXXX XXXX because it had apparently been moved to XXXX and they apparently sent it to collections for default in XXXX. I filed the complaint online at XXXX XXXX XXXX. I disputed that the loan was not mines and that I have been paying on my loans. I never received a response back. The loan was then placed in default and sent to the debt resolution group. I contacted them and explained everything that I'm stating here. I told them my credit is worth more than this fraudulent loan and that I don't have high hopes that anyone was going to do right concerning removing this loan from my profile. I had made a a good faith payment of about {$25.00}. 

They told me that wasn't enough and that I would have to submit all documents including tax information to calculate a payment plan. I explained my employment situation, my other loan payments, and provided the documents requested. They came back and required I make payments of {$470.00} a month. I told them I can't afford that. They gave me no other options except to fill out another form for appeal. I wasn't about to go back and forth with them because I gave you all the info. I've made XXXX more payments of {$470.00} each in order to keep my credit from being hit negatively. I was told doing this would at least take the loan out of default status. 

Well, today, I wake up to the tune of a XXXX point drop on my Transunion credit report. I've between XXXX and XXXX XXXX XXXX and now I'm at XXXX. I have a family that I am taking care of the best I can with my wife and this is earth shattering. I have been doing the right thing, paying my bills, loans, taxes and this random loan has just destroyed what I have worked so hard for. I have never been able to practice in my field of study because of transcript issues and I was never provided the proper information and direction or opportunities to work in that field. I have had to literally go from job to job trying to increase my income and learn new skills ever since leaving college. I haven't had a missed payment on my credit report in practically 10 years. This is crushing trying to do the right thing and still being treated unfairly.

Company response to consumer: Closed with explanation