In an "attempt to find me", the US Dept of Ed. contacted 2 of my loan references and disclosed to them the details of my loan, that I was late on payments, and about to default. If I am reading law correctly, they cannot disclose this information to my references. The references who were contacted gave me the details of the conversations, which I wrote down. I contacted US DOE and they actually confirmed that a representative did call the references on the dates that the references claimed to be called. So the evidence is all there... The loans are now in forbearance (the above happened in the period between the expiration of deferment and beginning of forbearance), and all I want is for them to delete the negatives from my credit report (they are being reported as 90 days late - the amount of time it took them to forward me the new forbearance paperwork, for them to process it, etc.). So my questions are: Can the US Department of Education be sued by an individual, as they are "government" If so, is it reasonable to offer to drop said suit in exchange for deletion of late pays from credit report? Thanks to all. Urbanite
DOE is the OC, yes. so if not bound by FDCPA, do they just have free reign on collecting? Checking state laws in the meantime, but if anyone has any insight or familiarity, I'd appreciate it. Thanks!
