Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14904122
Complaint Overview
Complaint ID: 14904122
Company: Heartland Payment Systems INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Alaska
ZIP Code: 99654
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
There are two loans on my account that are in default. The rest are all in good standing. The reason for default is allegedly not being able to contact me even though its the only two accounts unable to reach me. My address, phone number and email have always been updated on the US Department of education website. These loans are from over 20 years ago and this is the first I am hearing about them. The US Department of Education states that all loan information can be obtained on their studentaid.gov website. 13 years ago I applied for an income driven repayment plan and have made on time payments ever since. I was under the assumption that all my loans were covered under this program because they all showed in repayment and never in default. I do not know how loans that I never knew about can show up as defaulted upon after 22 years. This is a malicious practice and has effectively ruined my credit.
Frequently Asked Questions
What is Complaint #14904122 about?
Complaint #14904122 was filed against Heartland Payment Systems INC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-07-26T12:00:00-05:00.
How did Heartland Payment Systems INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Heartland Payment Systems INC?
Yes, visit the Heartland Payment Systems INC company profile at readthecomplaint.com/company/heartland-payment-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.