Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
Subject : Request for Investigation Inaccurate & Reinserted Student Loan Account on Credit Report Dear CFPB Representative, I am writing to request your urgent assistance and a formal investigation regarding a false and damaging entry on my credit report that has significantly impacted my financial wellbeing, employment opportunities, and ability to secure housing. 

In XXXX or XXXX of XXXX, a student loan account was reported on my credit file. I immediately filed a dispute with the credit bureaus, and after investigation, the account was deleted on XX/XX/XXXX. However, on XX/XX/XXXX, the same account suddenly reappeared, now marked as can not locate past due and in collections despite no new information being provided to justify its reappearance. 

XXXX. The reporting creditor information is inconsistent. Account # XXXX given to me by ECSI acct # on credit reports show acct # XXXX that shows {$2400.00} The credit report lists this contact number for this Student Loan, yet when I reached out to the school I attended, I was directed to a loan servicer based XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. That office had no information regarding my account and could not verify me, they gave me another phone number to calXXXX XXXX XXXX XXXX XXXX XXXXXXXX servicer the not so helpful person XXXX was only able to verify my ssn and dob wasnt correct she said this is with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, they were able to verify a SSN but once again the XXXX was listed as XXXX XXXX which is incorrect XXXX. I have never received accurate documentation or billing for this not to be mine I called the number listed, and again, they were unable to verify my identity due to incorrect personal information on their end. If I truly owed this debt, I should have been able to verify my identity and make payments. 
XXXX. This inaccurate re-reporting has severely harmed my life. 
The reappearance of this account has dropped my credit score by nearly XXXX points, which has now made it impossible for me to secure rental housing or pass a background check for potential employment. This is creating a catastrophic effect on my stability and livelihood. 
XXXX. I am requesting proof and accountability. 
The information associated with this debt contains a date of birth that does not match mine, which makes it impossible for the debt to have been properly verified. This discrepancy raises serious concerns regarding the accuracy of the reporting and the verification process. 
I am requesting that a full investigation be conducted into how this debt was verified given the incorrect personal information. XXXX stated they verified information based off what they received, and still will not investigate what I asked on XXXX. Please provide documentation of the verification process and the source used to confirm this debt. 
I would like someone to verify with concrete documentation that this debt is valid and associated with me, and that it is being reported lawfully. I am also requesting the reinstatement of my credit score as it was before it was damaged XX/XX/XXXX, by showing its in collections. 
If this account was truly investigated by the credit bureaus the first time, they would have discovered the same issue that the date of birth does not match, and the servicer can not verify my identity. This raises major concerns about the accuracy and legality of the data being reported. The credit reports are not doing their due diligence in verifying the information and requesting the information them that shows the incorrect info dob I am considering legal counsel, but before taking that step, I am seeking the CFPBs help to enforce my rights under the Fair Credit Reporting Act and determine whether either the creditor or the credit bureaus are engaged in improper or negligent reporting practices. 

Please advise on the next steps for initiating this investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation