Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
Fed loans is showing up 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for XXXX months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and they did not backdate it. Thats what caused this issue or one of the issues Im having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the US Department of student loans. I have worked with a company and gotten most of these taken off my report but there is one in 2 Fed loans and one Fed loans that was paid on time. All three accounts are closed however XXXX of the accounts are showing XXXX to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/XXXX for both accounts. 

For my XXXX XXXX Report the exact same thing is happening however on XXXX XXXX there is only one past due account. The bank fix the other one when I disputed the account. Theres only XXXX XXXX accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/XXXX. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. 

For XXXX neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on XXXX XXXX and XXXX they tell me everything is correct now. However on XXXX there are XXXX accounts that have to do with the student loan and question. Its called US Department of EDXXXX XXXX As soon as I seen this pop up on my reports I noticed it said my account had been sent to collections which was the US Department of EDXXXX XXXX I refinanced it with the lender it was with originally which was Fed loans and start making payments this is the one that is on every report thats current ive never missed one payment on the new account and never been late. That account is showing exactly how it should current never late. This is how all the account should show with that loans on all three reports XXXX, XXXX XXXX and XXXX! These two accounts need to be removed off my report Ive got them removed off of my other XXXX reports by disputing them but for some reason they will not remove them from my XXXX report. Since the payments were never late and I was in deferment my account shouldve never been sent to collections at US Department of EDXXXX That account was opened XX/XX/XXXX. Its my understanding account should only stay on your credit file for XXXX years and one month well this one has stayed on my report for over 11 years and they will not remove it and its also a mistake so it needs to be removed for that reason anyways. Or at least updated to never late Current closed account.

Company response to consumer: Closed with explanation