Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #7739695
Complaint Overview
Complaint ID: 7739695
Company: Commonbond, 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: West Virginia
ZIP Code: XXXXX
Date Received: 2023-10-22T12:00:00-05:00
Date Sent to Company: 2023-10-23T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with CommonBond. Even when Im a XXXX they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX CommonBond. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.
Frequently Asked Questions
What is Complaint #7739695 about?
Complaint #7739695 was filed against Commonbond, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-10-22T12:00:00-05:00.
How did Commonbond, INC. respond to this complaint?
The company responded with: "Untimely response". The response was not 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 Commonbond, INC.?
Yes, visit the Commonbond, INC. company profile at readthecomplaint.com/company/commonbond-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.