Hi, new here. Learned alot lurking and I figured I'd ask what do. I've noticed a few strange things on my report which I need straightened out.
Backstory: Many of you have probably experienced the dreaded transfer of your Citibank Student Loans to other servicers such as Discover. Citibank decided to keep all my private loans except 1 which they sold to Discover in late October 2012 (which I didn't know until February 2013). My Federal Loans went to Sallie Mae aka Navient (still on deferment). I continually paid Citibank whatever my minimum was at the time. When I called Discover, the rep admitted they tried contacting me but when we reviewed my contact information it was incorrect. I paid the past due balance during the call and have been paying on time ever since (4 years now). Which leads me to my issue...
Issue: I want to get a mortage loan but my Discover shows record of being 120 days late. To make matters worse, another company named "SLC Student Loan Trust" is reporting me also as 120 days late for the same loan (same balance, terms, time period, etc). I'm basically getting dinged about 8x for missed payments. The balances aren't 0...I'm still in repayment. The funny thing is, I see SLC listed on other loans in my CR marked "closed/transferred" (no negative reporting). I'm not sure if Citibank passed these loans to them first and then it was transferred again yet this one stayed open? I have disputed this over and over online but Equifax would come back "dispute resolved, customer disagrees." What is strange is on my Equifax, both these servicers appear. On Experian, it only lists SLC and on TransUnion, it only lists Discover. I noticed that when I disputed SLC on EQ, they changed the balance and the same exact update appeared on the Discover account on TU. TU's Discover account also oddly pushed back my missed payments to show Feb 2013 was 120 late which is inaccurate. EQ's Discover account stayed the same.
Resolution Methods: I called Discover, mailed and uploaded a goodwill request on their secure message online asking to remove these late fees. I sort of had luck after emailing the CEO. My email was forwarded to another EO who emailed me saying the debt is valid. I called and spoke the person in EO and they said they can't remove my lateness since they must "report accurately" so I brought up these strange occurrences. I received confirmation that Discover is NOT the same company as SLC. The office will investigate and give me a response next week. Something is fishy and I hope this ends up in them removing the lates altogether because truthfully I would have no way of knowing who really is my servicer. If they aren't linked, why are dates and balances changing after my dispute on both ends (and not even across the board with all 3 bureaus)? And if they are separate companies, can I be reported late if Discover didn't have the loan yet during those times?
I wish I could share screenshots so you guys can compare... I hit dispute on Equifax again before I spoke to the EO. Kind of want to know if EQ even took my claim seriously and investigated properly in the past...do I send a MOV? Is there another way I can tackle this? Thanks
