Here is how they are reporting. It's the same loan. Are there any obvious violations?
DIRECT LOANS
PO Box 7202
Utica, NY 135047202
Account Number: XXXXXXXX Current Status: COLLECTION
ACCOUNT
Account Owner: Individual Account. High Credit: $2,670
Type of Account : Installment Credit Limit: $0
Term Duration: Terms Frequency:
Date Opened: 12/1998 Balance: $0
Date Reported: 08/2007 Amount Past Due: $0
Date of Last Payment: Actual Payment Amount: $0
Scheduled Payment Amount: $50 Date of Last Activity: 03/2002
Date Major Delinquency First
Reported: Months Reviewed: 1
Creditor Classification: Activity Description: n/a
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: 02/2003 Type of Loan:
and
US DEPARTMENT OF EDUCATION
401 S State St Rm 700F
Chicago, IL 606051229
(800) 621-3115
Account Number: XXXXXXXXX Current Status: COLLECTION
ACCOUNT
Account Owner: Individual Account. High Credit: $2,625
Type of Account : Installment Credit Limit: $0
Term Duration: 36 Months Terms Frequency: Single Payment
Loan
Date Opened: 12/1998 Balance: $2,938
Date Reported: 09/2007 Amount Past Due: $2,938
Date of Last Payment: Actual Payment Amount: $0
Scheduled Payment Amount: $2,891 Date of Last Activity: 10/2002
Date Major Delinquency First
Reported: Months Reviewed: 47
Creditor Classification: Educational Activity Description: n/a