Ok, I know that SL payments are probably considered "installments" but when it goes to collection are they not in violation of reporting it "collection, installment, past due amount"?

I'm still unsure WHO is the actual OC of this too....I had taken out the SL's w/ Direct Loans...IS Direct Loans part of US Dept of Education? My loans are actually w/ Pioneer Credit Recovery but listed on my reports as US Dept of Education

I'm assuming then, they're allowed to report like this since it's reporting as the OC.

Direct Loans is a division of the USDOE. When you default it goes to the USDOE collection Service. Seperate but the same.

Your OC is Direct Loans. USDOE is in effect your guarantor. Both report, Direct loans as the defaulting lender and USDOE as the government claim. Generally the CA does not report with most student loan accounts.

Ok, Direct Loans is only reporting on 1 of my reports..the rest are USDOE. The other 2 have USDOE Full amount and then EACH separate amount (looking as if I'm in double the debt).

What about the "collection, installment, amt past due" thing...violations as w/ other CA's?

Nope. When they report you past due, they are reporting that you were due, not currently past due. This is pretty standard reporting

That doesn't make sense, please clarify "were due, not currently past due"??

If you WERE due and you didn't pay it, you're past due but I didn't think collection accounts can list it that way.

When most people default, they are how many days past due. It usually reads 120 or 180 days past due. A claim is then filed with the guarantor. The status you were at at the time of default sticks. Your balance shows zero but the final status stays. Student loans have always reported this way.