Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am filing this complaint regarding ongoing inaccurate credit reporting and loan servicing failures by Sallie Mae, which have resulted in escalating delinquency marks that are factually incorrect and materially harmful. 

My Sallie Mae loans were eligible for in-school deferment for XXXX, XXXX, and XX/XX/XXXX. I notified Sallie Mae of this in XX/XX/XXXX, submitted the required deferment documentation in XX/XX/XXXX, and Sallie Mae confirmed receipt of the form. Since that time, I have spoken with multiple Sallie Mae agents and managers who acknowledged the error and stated the account required back-office correction. 

Despite this, Sallie Mae failed to update my loan status. I was first incorrectly reported as 30 and 60 days delinquent for XXXX XXXX. I sent a formal written dispute and retraction request, which Sallie Mae confirmed receiving. More than a month has now passed since receipt of that letter, and instead of correcting the error, Sallie Mae has now escalated the reporting to 120 days delinquent across three separate loan accounts.

This reporting is inaccurate and unjustified.

I currently have 48 in-school deferment months available. My actual usage is limited to : XXXX XXXX XXXX XXXX ( this period should not have qualified under Sallie Maes own half-time enrollment rules, but the institution completed a verification form at my request, which Sallie Mae has on file ) XXXX XXXX XXXX XXXX This confirms that deferment eligibility existed for the months Sallie Mae reported as delinquent.

Additionally, Sallie Mae kept my loans in in-school deferment for years without requesting updated documentation, despite my original XXXX form clearly listing an end date of XX/XX/XXXX. I received no communication requesting updated forms after XXXX. In XXXX, Sallie Mae contacted me for payment, at which point I proactively informed them that I had not been enrolled since XXXX. When my school reported completion in XX/XX/XXXX, I immediately began receiving payment notices for XXXX and paid through XX/XX/XXXX. The sudden and inconsistent handling of my deferment status reflects internal servicing failures, not borrower neglect.

I have been explicitly told by multiple agents that the issue required a back-office system update. I was instructed to wait the stated processing timeframe, which I did. No correction was made, no follow-up occurred, and delinquency reporting continued to worsen.

Sallie Mae has all required documentation on file from XXXX, XXXX, and both XXXX submission periods. Their failure to properly process and apply deferment has resulted in false 30-, 60-, and now 120-day delinquency marks on both my credit report and my co-signers credit report, causing significant harm. Reporting three separate loans as 120 days delinquent is especially damaging and disproportionate.

I am currently unemployed, and paying to cover it is not a reasonable or lawful solution when the delinquency itself is inaccurate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief