Ok, i am out of rehab since nov 06....I paid usa funds for 12 months, no lates.... got transfered back to sallie mae in Jan 07...still no lates.

I am still showing USA funds with balances, 1 is $40K and the other is $15K, late 120 days, and collections... This is obviously wrong , b/c USA was never pd late (auto debit), plus it was transfered back as previously mentioned.

Is this as easy as disputing with cra and when they go to USA, USA should come back and verify loan has been closed/transfered/no min pmt/no late payment? The only thing I imagine could remain is the late payment b/c they are taking into account when account was placed with them? They certainly were NOT pd late during the 12 months of rehab..

Thanks for reading and your comments. This is skewing my Equifax, as it is not reporting on the other two.

thanks