Complaints

• Initial Complaint

  10/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  Account #******************** This account is inaccurate under 15 U.S.C. 1692g validation of debt. ******* **** ******* *** has been reporting inaccurate and incomplete account *********** to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code § 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, ****** v. ***** ***** *****, No. ******* ********* **** ********* ******* **** ******* *** may be liable for your willful non-compliance. Also, in ****** v. ******* *********** ******** *** (D. Ariz. 2018), ******* **** ******* *** may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the *********** reported is completely accurate and correct. The following *********** therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Under 15 U.S. Code § 1681d - Disclosure of investigative consumer reports; you are in violation. I have attached the definition so you can see the violation! (a)Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless— (1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including *********** as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

• Initial Complaint

  02/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history. Please remove this inaccurate information from my credit report.

  Business response

  02/21/2023

  see attached.  Transcribed below:

  Dear ******* Complaint Handler, 
  This letter is pursuant to the BBB correspondence received at the SUNY Student Loan Service Center (SLSC) for ID number ********. 
  I have read your letter and the "Customer's Statement of the Problem", concerning her Perkins Federal Student Loan. The borrower stated. "I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history. Please remove this inaccurate information from my credit report". This borrower separated from our school system in May 2016 and reenrolled in college on two separate occasions receiving student deferments that were followed by six-month grace periods. The borrower then applied for and was granted a three-month forbearance that ended on March 31, 2019, with payments to restart on April 1, 2019. 
  Prior to payments starting, our office sent this borrower a forbearance ending notice, with billing statements commencing on March 12, 2019, for the April installment. Billing statements were mailed each month thereafter. There was no contact from this borrower and after the SLSC sent her six billing statements, three collection letters, an email, and tried to reach her by telephone on three separate occasions, her loan was accelerated and assigned to a collection agency. On September 27, 2019, our office received a Loan Verification Certificate electronically from a student loan consolidator. Our office completed the form and returned it electronically that same day. On October 22, 2019, our office received a payoff from a Department of Education consolidation company that paid the Perkins Loan in full, when the loan account was seven months past due. 
  Based on information provided above there was no error in the reporting of the delinquency for this borrower's loan account. Her request to have the delinquency removed from her credit profile is denied. 
  CW:cw 
  Sincerely. 
  Christopher W***** Associate Director 

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩