Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported late payments on my two XXXX XXXX with the three national credit bureaus . They reported loan 1 account numberXXXX 30 days late for the month of XX/XX/XXXX and 60 days late for the month of XX/XX/XXXX. For loan 2 account numberXXXX they reported my account 30 days late for the month of XXXX XXXX, 60 days late for the month of XX/XX/XXXX, and 90 days late for the month of XX/XX/XXXX. I contacted them directly in XX/XX/XXXX and informed them that I had been enrolled in XXXX XXXX full-time for the XXXX school year, so my loans should have been in deferment status the months they reported my accounts late to the credit bureaus. They sent me an enrollment verification form that I forwarded to my school 's registrar 's office to complete, and I submitted it back to them the same day. On XX/XX/XXXX, they sent me a message stating that they processed my enrollment verification and changed my due date to XX/XX/XXXX. They also stated that they would contact the three credit bureaus to have the late payments removed from my credit file. A couple of weeks later, I was informed by my credit monitoring service that a change was made on my accounts, and when I checked them, both late payments were removed from loan 1 account number:XXXX, and two of the three late payments were removed from loan 2 account numberXXXX, however the 30 day late reported for the month of XX/XX/XXXX was still reporting on my credit files with XXXX and XXXX. When I checked my credit file with XXXX, none of the late payments were removed from either loan account. I contacted them to inform them that all of the reported late payments were not removed and informed them which ones were still reporting on my credit files. I also informed them that I submitted a dispute with XXXX for the 30 day late payment that was still reporting. They stated that they would process the request to have them removed with the credit bureaus again. I asked them to send me a verification letter once they processed the removal. XXXX contacted me on XX/XX/XXXX stating that they had finished processing my dispute, however the company verified the information and the late payment reported for XX/XX/XXXX would remain on my credit report. At this time the 30 day late payment is still reporting for my loan XXXX account XXXX with XXXX and XXXX, and all of the initial late payments are still being reported on XXXX. This incorrect information being reported to the credit bureaus needs to be corrected immediately because these incorrect late payments reported have caused my credit application for a XXXX XXXX XXXX XXXX with the Department of Education to be denied. I need this loan for my educational expenses, and having my application denied due to this incorrect information being reported on my credit files is directly adversely affecting and interrupting my progress with completing my XXXX XXXX program and achieving my educational goals.

Company response to consumer: Closed with explanation