Removing Inaccurate Trade Lines

[Anonymous]

My wife and I have been working very hard to rehabilitate her defaulted student loans.  Two of them are from AES/PHEAA, and part of the reason those loans went into default was because they were using the wrong SSN for her, so she was never made aware of them (I know, it's not a good excuse, but it still happened).  We told the CA involved months ago her correct SSN and they told AES.  AES finally updated this month, but, of course, what they did was add two NEW tradelines with the correct number, but LEFT the two wrong ones (still showing a balance), so the same loans are reporting twice.  

Interestingly, when they reported, Scorewatch woke up after over 2 months of being dormant and reporting a whopping 26 point increase! 

Should we dispute the incorrect TLs? As "not mine," or something else?  They are her loans, but they are not correct.

Should we do it ASAP, or wait until the loan rehabilitation is complete (2 payments left, one will be in 5 days)?  Thanks!

[Anonymous]

I'd first contact AES and ask them to remove the two incorrect lines.

[Anonymous]

I believe that would have to wait until the loans are out of rehab.  They won't talk to us and instead only refer us to the CA.  But we can try.  Should we contact them in writing, or is a phone call ok?

[Anonymous]

AES said to contact the credit bureaus.

The old tradelines have been disputed with EX and EQ (they were not reporting to TU).

How come when my wife pulls her report from CCT, EQ shows the TLs are in dispute, but EX does not?  EX does show "...being investigated" when pulled directly. 

[Anonymous]

i would agree with sidewinder..you should contact AES first and ask why are these things happening to you

Message Edited by llecs on 05-29-2009 01:41 PM

[Anonymous]

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@Anonymous wrote:
i would agree with sidewinder..you should contact AES first and ask why are these things happening to you

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I did contact AES.  See my above reply.  AES said they weren't reporting it (they weren't, the incorrect TLs hasn;t been updated since July 2008) and to take it up with the CRAs.

Message Edited by llecs on 05-29-2009 01:41 PM

[Anonymous]

Experian sent us the results today, and the accounts were "updated" and are now showing as verified as of May 2009.  What should our next step be?  Should we MOV EX, or complain to AES, or something else?

Again, the loans are actually my wife's, but AES used the wrong SSN, which is part of the account number they report.  They recently corrected their records with the correct SSN, but instead of updating the existing TLs, they added new ones, so the same loans are being reported twice.  Since they are currently in default, it looks twice as bad now!  Even though the rehab on the loans should already be completed as of May 15th, I don't think the incorrect TLs will actually update to reflect that.

[Anonymous]

So I called PHEAA/AES and asked about the update and was told that they responded to the consumer dispute yesterday to delete the incorrect TLs and there was no way EX could have updated that fast, and that the incorrect TLs should be falling off whenever they update (30-90 days).  Does this sound right?

The guy (I got his name) told me that they sent an update to all 4 CRAs and Equifax has not sent the results of the dispute yet, so maybe he was telling the truth?

[Anonymous]

I complained to PHEAA/AES and was told that without credit reports, they can't correct the reporting, so I faxed the relevant pages on 6/2.  Today (6/5) I called to find out if they received the fax and was told that they are reporting correctly.  Two lines (one subsidized and one unsubsidized) are the default, which will be removed in the next 30 days as the rehab is not complete, and the other two are delinquent, which can stay for up to 7 years.

On the EX report, the incorrect ones have their status as "Claim filed with government, $xxx past due as of May 2009" and the correct ones have "Collection account, $xxx past due as of May 2009."  All four have "Student loan permanently assigned to government" as the Creditor's Statement.  The two incorrect ones show the account history as "Claim filed with the government as of May 2009 / Collection as of May 2009, Sep 2008, Apr 2007 to Aug 2008" and the correct ones have the account history listed as "Claim filed with the government as of May 2009, Apr 2009 / Collection as of May 2009, Apr 2009."  They also all show "This account is scheduled to continue on record until Sept 2010."  EX is also showing payments on all four lines that add up to double what the CA was being paid.

For EQ, the Status fields are all blank, and all four show in the comments "Collection account, Student loan assigned to government."  Only the correct accounts are showing a payment, the incorrect ones show a payment of $0.  All four show a DOFD of 12/2003.  In the Payment History, the incorrect ones show "CA" from August 2005 to July 2008, then "*" from August 2008 to April 2009, while the correct ones show "*" until March 2007, then "CA" through April 2009.

Are they allowed to report the SAME loans twice?  Keep in mind that all four are the GUARANTOR, I'm not looking at the lender and the guarantor reporting separately.  If they verified with the CRAs, now tell me that they are not going to change the incorrect reporting by removing the incorrect lines, what should my next step be?  Should this be taken care of as quickly as possible, as one set will be (should be!) deleted the next time they update (I was told they update the first Saturday of the month, so they could be removed as soon as tomorrow!), as rehab is now complete.  When that happens, the remaining ones will no longer be a "duplicate!"

Thanks!

[Anonymous]

Oh yeah, the woman I spoke to today flat-out admitted that the two trade lines were the same loans as the other two, just being reported differently.

Again, can the same loan be reported more than once by the same entity?