Asked for Goodwill Adjustment but Creditor said they can’t due to FRCA

QuestionsAsked for Goodwill Adjustment but Creditor said they can’t due to FRCA
asked 4 years ago

I sent a letter asking for a goodwill adjustment to my student loan creditor – they really screwed me big because they apparently hold 3 accounts that they report separately so even though it was one late payment they reported it to 3 separate accounts on my credit.  I sent them a letter asking for a goodwill adjustment and they responded:

“We received your request for a courtesy/good-will credit retraction. Under the Fair Credit Reporting Act (FCRA), we are required to report complete and accurate information to the nationwide consumer reporting agencies; therefore, we are unable to honor your request.”

I know that creditors can make goodwill adjustments so I would like to respond to them and tell them that they are incorrect.  What is the best way of going about that?  Is there any official documentation anywhere that I can reference?

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