AES/PHEAA Debt Collection Complaint

AES/PHEAA Debt collection department,

Federal student loan False statements or representation Attempted to collect wrong amount Florida

In 2013 my students loans went into a repayment status, with an initial payment date of -/-/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( - - - ) on -/-/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status - derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In - I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website. Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and


information stating because it was accurate at one time '', they do not have to remove the derogatory remarks from my account. In addition - stated they were following - guidelines by keeping inaccurate information on my credit report. I have since confirmed with - representatives, this is untrue. The lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on -, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA. At the advice of the lender I removed the loans from deferment, and they have since started reporting payments. I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest. I filed a compliant with the Ombudsman and was advised on - by representative - - that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title 34, however, no where in the Title 34 does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies. The attached documentation shows my accounts were in a General Forbearance starting -/-/13, meaning no payments due from that date forward. However they are reporting my as delinquent in -, -, and - 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA 623 ( a ). Please investigate and request removal