据一项新提起的诉讼称，债务已被免除的学生贷款借款人仍被上报至征信机构。周四，借款人权益倡导组织“掠夺性学生贷款项目”（Project on Predatory Student Lending）对教育部提起诉讼。该组织称，教育部因上报“已取消且法律上不可执行的债务”的未偿余额，违反了《公平信用报告法》。该诉讼涉及那些因被“掠夺性营利性”学校（包括阿什福德大学和ITT技术学院）欺诈，从而通过借款人还款抗辩计划获得贷款免除的借款人。具体而言，该诉讼针对的是在2022年4月至2025年1月期间获得此类救济的借款人。起诉书指出，这些借款人的余额被作为未偿债务上报至征信机构，进而影响了他们的信用评分。根据公开数据，PPSL估计，教育部错误地报告了30万名学生贷款借款人，涉及46亿美元的已取消债务。诉讼称，受影响的借款人“已花费时间和精力试图澄清并纠正这一情况”，他们担心政府“将造成进一步的非法伤害，包括通过工资扣押和税收退款或社会保障金抵扣来追偿一笔最初因教育骗局而产生、如今却拒绝消亡的债务”。教育部未立即回应《商业内幕》的置评请求。原告之一曼迪·伍兹（Mandy Woods）曾借款6.5万美元就读阿什福德大学，该校被教育部认定存在欺诈学生行为。尽管伍兹符合获得救济的条件，但其信用报告仍显示她欠款超过7.1万美元。伍兹在新闻稿中表示：“当我被告知我的贷款将被免除时，我感到如释重负。我以为终于可以摆脱这段过去了。”
Student-loan borrowers whose debt was wiped out are still being reported to credit bureaus, a new lawsuit says. On Thursday, the Project on Predatory Student Lending, a borrower advocacy group, filed a lawsuit against the Department of Education. It said that the department is violating the Fair Credit Reporting Act by reporting outstanding balances on "cancelled and legally unenforceable debt." The lawsuit concerns borrowers whose loans were wiped out via the borrower defense to repayment program, after they were defrauded by "predatory for-profit" schools, including Ashford University and ITT Technical Institute. It specifically pertains to borrowers who received such relief between April 2022 and January 2025. The filing said these borrowers' balances were reported to credit bureaus as outstanding debt, which affected their credit scores. PPSL estimated that, based on publicly available data, the department is wrongfully reporting 300,000 student-loan borrowers for $4.6 billion of canceled debt. The affected borrowers "have spent time and resources on attempts to clarify and remedy the situation," the lawsuit said, and they're worried that the government "will inflict further wrongful injury, including collection through wage garnishment and tax refund or Social Security offset, in satisfaction of a debt that came into being in the first place because of an educational scam and now refuses to die." The Department of Education did not immediately respond to a request for comment from Business Insider. One of the plaintiffs, Mandy Woods, borrowed $65,000 to attend Ashford University, a school that the Education Department determined had defrauded its students. Despite qualifying for relief, Woods' credit report still shows that she owes over $71,000. "When I was told my loans would be discharged, I was so relieved. I thought I could finally put this behind me," Woods said in the press release. "Instead, I've been jumping through hoops, getting different answers depending on who I talk to, and watching a debt I was told I no longer owe keep growing on my credit report." Have a story to share about student loans? Contact this reporter at asheffey@businessinsider.com.
“相反，我一直在四处奔波，不同的人给我不同的答复，而且我被告知已经不再欠的一笔债务却在我的信用报告上不断增长。”有关于学生贷款的故事要分享吗？请通过asheffey@businessinsider.com联系这位记者。
Student-loan borrowers whose debt was wiped out are still being reported to credit bureaus, a new lawsuit says. On Thursday, the Project on Predatory Student Lending, a borrower advocacy group, filed a lawsuit against the Department of Education. It said that the department is violating the Fair Credit Reporting Act by reporting outstanding balances on "cancelled and legally unenforceable debt." The lawsuit concerns borrowers whose loans were wiped out via the borrower defense to repayment program, after they were defrauded by "predatory for-profit" schools, including Ashford University and ITT Technical Institute. It specifically pertains to borrowers who received such relief between April 2022 and January 2025. The filing said these borrowers' balances were reported to credit bureaus as outstanding debt, which affected their credit scores. PPSL estimated that, based on publicly available data, the department is wrongfully reporting 300,000 student-loan borrowers for $4.6 billion of canceled debt. The affected borrowers "have spent time and resources on attempts to clarify and remedy the situation," the lawsuit said, and they're worried that the government "will inflict further wrongful injury, including collection through wage garnishment and tax refund or Social Security offset, in satisfaction of a debt that came into being in the first place because of an educational scam and now refuses to die." The Department of Education did not immediately respond to a request for comment from Business Insider. One of the plaintiffs, Mandy Woods, borrowed $65,000 to attend Ashford University, a school that the Education Department determined had defrauded its students. Despite qualifying for relief, Woods' credit report still shows that she owes over $71,000. "When I was told my loans would be discharged, I was so relieved. I thought I could finally put this behind me," Woods said in the press release. "Instead, I've been jumping through hoops, getting different answers depending on who I talk to, and watching a debt I was told I no longer owe keep growing on my credit report." Have a story to share about student loans? Contact this reporter at asheffey@businessinsider.com.