DOUBLE THE DEBT — Student Loan Reporting Errors That Could Wreck Your Credit
Student loan credit reports often contain duplicate balances and other errors that inflate your debt and damage your score
Learn how R23 Law’s California Consumer Protection Attorneys can dispute these errors and protect your financial future.
Student Loan Error? Don’t Let Duplicate Balances Derail Your Credit
Student loan borrowers already face enough financial pressure—so when your credit report shows duplicate balances or misreported loan details, it’s more than a glitch. It’s a legal issue that can cost you access to jobs, homes, and affordable credit.
At R23 Law, our California Consumer Protection Attorneys help borrowers correct credit reporting mistakes and hold servicers and bureaus accountable under the Fair Credit Reporting Act (FCRA).
What Are “Duplicate Balances”?
Duplicate balances occur when the same student loan is reported more than once, making your total debt appear artificially inflated.
Common Causes Include:
Loan Servicer Transfers: The same loan gets listed twice under different names after being moved between loan servicers.
Reporting Mistakes: Servicers or credit bureaus misreport data, leading to duplicate entries.
Loan Consolidation Confusion: When consolidating loans, both the old and new accounts may appear—making it look like you owe double.
These inaccuracies can increase your debt-to-income ratio, lower your credit score, and hurt your ability to qualify for mortgages, auto loans, and more.
Other Common Student Loan Credit Errors
In addition to duplicate balances, student loan borrowers often face:
Incorrect Payment Status: Loans marked as delinquent or in default despite being paid on time.
Misreported Loan Amounts: Overstated balances that exaggerate your financial liability.
Closed Loans Still Listed as Open: Paid-off loans showing as active during or after consolidation.
These errors don’t just affect your credit—they can hold you back from financial milestones.
Your Legal Rights Under the FCRA
Under the Fair Credit Reporting Act (FCRA), you have the right to:
Dispute inaccurate information
Receive a response within 30 days
Hold credit reporting agencies and servicers accountable for harm caused
If your dispute is ignored—or if the errors caused you financial loss, job denial, or emotional distress—you may be entitled to statutory or actual damages.
How to Dispute Student Loan Credit Report Errors
Get Your Reports: Order from all three credit bureaus—Equifax, Experian, and TransUnion—via AnnualCreditReport.com.
Flag the Errors: Highlight duplicates, incorrect payment histories, or inflated balances.
Submit a Dispute: Send a dispute to the credit bureau with documentation (loan statements, payment records, consolidation letters).
Follow Up: Monitor for corrections. If errors persist, contact a consumer protection attorney.
Why Contact R23 Law’s California Consumer Protection Attorneys?
Fixing credit errors is rarely simple. But with R23 Law on your side, you’ll have experienced legal advocates ready to:
Demand corrections from credit bureaus and servicers
File lawsuits if errors result in harm
Navigate tricky consolidation or servicer transfer disputes
Pursue compensation when your rights are violated
We’ve helped Californians correct inaccurate student loan data, restore credit, and hold negligent companies accountable.
📞 Call us and get a Free Case Review Today — No obligation. No upfront costs. Just trusted legal guidance from the team that puts consumers first.
Don’t Let Bad Data Ruin Your Credit Future
Student loan errors may feel overwhelming—but you don’t have to fight them alone. If your report shows incorrect balances, statuses, or duplicate loans, take action now to protect your credit, qualify for future financing, and assert your legal rights.
