Date Received: 2018-10-24T00:00:00.000
Product: Federal student loan servicing
Issue: Problem with a credit reporting company’s investigation into an existing problem
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I was homeless during a period of time that my loans came into repayment. I was unable to receive mail during the time nor had the means to contact XXXX XXXX regarding my options to keep payments from being late. I was able later to reach out and I was sent in the information regarding me being granted retroactive deferment, however they refused to remove the late payments from my credit report. During this period of time there was no possible way for me to be able to make a payment or even get the information needed to make arrangements or find out my repayment options because I didnt have a address for them to send correspondence to. Now I am in a better place but my score is suffering severely from the way the information is being reported. I also filed a dispute with the XXXX in which the insisted it was unlawful for them to change the reporting status for this period of time. Now its hard for me even in a better place in life with a good job to even get accept for an apartment alone based on the negative impact the report has had on my credit score. They were willing to add remarks stating that they are in good standing, but it has harldly no impact on the damaging effects of the unfair reporting to the credit reporting agencies. Now that I have started my own family and have attempted to move forward in life, this holds me back in every aspect which makes it hard for me to progress from where I was completely. I cant even secure housing in a area that would offer my children better schooling options, because I am constantly denied do to XXXX impact on my credit score due to their reporting practices.
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3054780
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