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hrguy

FLS giving me the run-around?

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I have been discharged from my Ch.7 BK for 7 months now. I have been back and forth with FedLoan Servicing since July. I have sent letter after letter, call after call, dispute after dispute about my 12 FLS lines being reported as included in bankruptcy.

 

I have filed complaints with the ombudsman (which still has not been answered).

 

I had the same problem with AES/Pheaa which it shares the same building and corporate staff as FLS. I BBB'd AES, and the same problem with them got fixed.

 

No such luck with FLS. I have sent packets of CRA entries even by CMRR to their in-house counsel. The VP of Counsel himself even called me personally and said it would be taken care of. I have gotten several letters showing all my loans are in deferment and sent them to each CRA - still no change. I have letters from FLS saying the dates they have reported the changes (I have four of these type letters with different dates) still no updates, the first being in September of 2012 - so I have given them their 60 days that they request for the changes to reflect.

 

As of today, my accounts with FLS still say Included in Bankruptcy with the last updates to the accounts being 8/31/2012.

 

My question is, who is lying here? If they are sending updates to EQ, TU and EX - why are they not processing them? I have even CMRR'd the letters to all three - no changes. What do I have to do to have this changed?

 

No response from the ombudsman - well over 90 days ago, should I just file with the CFPB? I am so tired of dealing with this issue.

Edited by hrguy

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Technically your loan, even thought not dischargable in bankrutpcy, was included in bankruptcy so the reporting would be accurate.

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