AES/PHEAA Student Loan Complaint

AES/PHEAA Student loan department,

Non-federal student loan Dealing with my lender or servicer Having problems with customer service California

My lender falsified information to - which in turn has caused numerous negative items to remain on my credit report that should not be there. Upon completing school i was not able to obtain a job to pay the high monthly balance of the loan that was due immediately upon my graduation. It took me over a year to find a job, and when i did find one it was very low paying to the point where my monthly income was just about equal to my payments due so I still could not pay. Long story short I have never made 1 single payment to my lender. My lender, in order to successfully package and sell/transfer the loan to another party, started reporting that I had begun to make payments to show my account was in good standing, payments I never made. The clock on my loan began in -/-/-, but they reported that I made payments in -/-/- right before selling/transferring my loan. By law, it takes 7 years for an item to drop off of your credit report but that 7 year clock starts from the LAST PAYMENT MADE. I have never made a single payment so instead


I can not provide proof/check number for a non-existent payment. To add to the problem, since my lender is private and is not required to provide information to -, - can not ask them to provide proof of payment. So they are protected by law in a sense from providing proof that would ultimately incriminate themselves for falsifying records. After many escalations and unsuccessful disputes because of the lenders unwillingness to provide anything I am asking for, I am now following - advice and escalating this issue here to hopefully get some assistance in going after this lender and getting them to remove this negative information that has been hurting my credit score in preventing me from doing things such as buying a house. It should be noted that they eventually sold this debt to a collection agency a few years ago and we came to a settlement, in which I turned around and successfully won in litigation after the settlement due to the collectors unethical business practices.