Consumer complaint received 2026-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: AES/PHEAA
State: TX

Complaint narrative:
Subject : Formal Complaint, XXXX XXXX XXXX, and Notice of CFPB Complaint To Whom It May Concern, I am submitting this formal complaint regarding the reporting of late payment information on my account and to formally dispute the accuracy and fairness of this reporting. I am also notifying you that this matter is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and review. For approximately the last four months, I have been actively applying for and pursuing an Income-Based Repayment ( IBR ) adjustment and have consistently acted in good faith by providing requested information and complying with documentation requirements. During this process, I also submitted requests for XXXX forbearance and deferment in an effort to maintain my account in good standing while my payment obligations and income status were being evaluated. I recently received written confirmation that my annual income verification was received and remains under review. Despite my repeated efforts and active participation in the XXXX process, including my applications for XXXX, forbearance, deferment, and income verification, my account was nevertheless reported as late to a credit reporting agency. I dispute the accuracy and fairness of this reporting because my repayment status, payment obligations, and related requests were still being reviewed and processed. I made repeated and ongoing efforts to resolve this matter and to avoid delinquency. Reporting my account as late under these circumstances appears inconsistent with my documented efforts to comply with requirements and maintain my account responsibly. This reporting has caused harm to my credit profile and may negatively impact my ability to obtain credit, financing, housing opportunities, and other financial opportunities. I am requesting an immediate investigation and review under applicable federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requiring furnishers of information to provide accurate information to consumer reporting agencies and investigate disputed information. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e, concerning accuracy and fairness in consumer reporting. Consumer Financial Protection Act provisions prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ), where inaccurate servicing or reporting practices may warrant review. I respectfully request the following actions : 1. Conduct a complete investigation into my account history and reporting practices. 2. Provide a detailed explanation for reporting my account as delinquent while my XXXX, forbearance, deferment, and income verification requests remained active and under review. 3. Correct and remove any inaccurate or improperly reported late-payment information from all consumer reporting agencies. 4. Provide written confirmation of the investigation findings and any corrective actions taken. Please consider this correspondence a formal dispute of the reported information. Supporting documentation is attached, including confirmation of my income verification submission and records showing my multiple attempts over the last four months to obtain XXXX relief, forbearance, and deferment assistance. I expect a prompt investigation and response regarding this matter

Company response to consumer: Closed with non-monetary relief