Date Received: 2018-11-02T00:00:00.000
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 am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a ” goodwill ” adjustment on the reporting of this account to the three credit agencies.
During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018.
I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports.
As soon as I became aware of the balance I contacted XXXX XXXX XXXX/ XXXX XXXX I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX/ XXXX XXXX is willing to work with me on erasing this mark from my credit reports.
Your kind consideration in this matter is greatly appreciated.
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3064272
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