@RobertEG wrote:
Did your dispute clearly assert that their continued showing was being disputed based on completion of rehab, or did your prior dispute simply contest the accuracy?
Removal based on rehab is separate from removal based on accuracy of the derogs.
Adding or correcting the actual derogs would be proper if rehab had not occured, but would not be proper if the issue is removal based on rehab being completed.
If the prior dispute was clearly based on completion of rehab, I would file a complaint with the CFPB.
However, if the issue of rehab was not clearly stated, a renewed dispute that raises that basis would first be appropriate.
In my dispute I mentioned both that the status was incorrect, that the outstanding amount owed was incorrect and that they were supposed to be removed because of rehab according to the Department of Education Default Resolution Group, and that the "payment" data of charge off spanning the past 6 months was incorrect. Some of these were inserted only a few months ago, and upon further investigation, fact checking with NSLDS 4 of them don't actually exist. They are all listed under the same account number, I only realized it looking for the original loans and realizing they added up to a lot more than I ever borrowed.
I'm confused how they can verify accounts that don't exist at all and update payment data that I can clearly see via NSLDS is incorrect. They have all the dates listed I paid, when I defaulted, and when the accounts were paid in full by me or consolidated. It's incredibly detailed and doesn't match up at all.
As for the removal itself, I emailed the Department of Education executives and they passed on my letter to an executive that could help. I wish I had realized when I wrote my letter that some of the accounts inserted weren't even real, because that probably would have helped my original case and I'll have to wait to hear back from someone who can handle my account.
I guess I probably should have asked which information to dispute in the first place, but I figured pointing out all of the errors with the obvious issue that they were rehabbed and still show up as collection accounts open with balances with clear proof that they are paid off would cover all of my bases.
