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thrones13

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  1. It is listed as a private student loan but I cannot for the life of me remember taking a private student loan out from Loan Science, which is who is the lender according to ACS. I called ACS today and they said to contact Loan Science b/c the loan was defaulted in 2011. They also said that they don't have a # for them, only an email; and also said Loan Science paid ACS in full and will decide who will be the next servicer. I received something around Jan. 2013 from Sunrise Credit Services listing ACS as original creditor but since then I have not received anything regarding this debt from any 3rd party collector. So I have no idea on who I owe and if I even owe it. The date listed on my credit report for when the loan was opened is 10/2007 but I know for sure that I did not open a loan then. The only information ACS gave me is to email Loan Science. I don't know what to do. If nobody else has reported anything on my credit report do I need to worry about another collector? It doesn't say that the debt was transferred.
  2. So I'm in a dilemma. Here are the facts: 1. The CA is ACS Education Services 2. The company is not bonded in TX according to the debt collector search site - I tried all variations and other names the company goes by 3. After I disputed the account with Experian (after calling ACS directly, they said they no longer handle the debt. They gave me no further info) a few months ago, the status was changed from collection to "paid, was in collection ..." 4. However, I never paid anything on this account 5. I wanted the account removed completely from my credit report and so I sent a letter to Experian requesting that it be removed because the company was in violation of the TX Fin. Code. 6. The investigation was completed by Experian and they told me that the creditor verified the account - thus it is still being reported as "paid collection." When I asked Experian whether the CA even verified that it was bonded, they said that they report what the CA tells them to, and that the specific question regarding TX law should be directed to the CA directly. Needless to say, I was frustrated b/c the CRA did nothing verify the veracity of what the CA reported. My question is, what should I do if I want this account completely removed? On one hand, an account which I didn't pay anything on is now being reported as "paid collection." On the other hand, if I move forward with an ITS to the CA and invoke the TX Fin. Code, I'm afraid they may retract the "paid collection" and then come after me for the debt. Should I go forward with the ITS anyway? Has anyone had experience in dealing with ACS? Any help would be much appreciated.
  3. So I'm in a dilemma. Here are the facts: 1. The CA is ACS Education Services 2. The company is not bonded in TX according to the debt collector search site - I tried all variations and other names the company goes by 3. After I disputed the account with Experian (after calling ACS directly, they said they no longer handle the debt. They gave me no further info) a few months ago, the status was changed from collection to "paid, was in collection ..." 4. However, I never paid anything on this account 5. I wanted the account removed completely from my credit report and so I sent a letter to Experian requesting that it be removed because the company was in violation of the TX Fin. Code. 6. The investigation was completed by Experian and they told me that the creditor verified the account - thus it is still being reported as "paid collection." When I asked Experian whether the CA even verified that it was bonded, they said that they report what the CA tells them to, and that the specific question regarding TX law should be directed to the CA directly. Needless to say, I was frustrated b/c the CRA did nothing verify the veracity of what the CA reported. My question is, what should I do if I want this account completely removed? On one hand, an account which I didn't pay anything on is now being reported as "paid collection." On the other hand, if I move forward with an ITS to the CA and invoke the TX Fin. Code, I'm afraid they may retract the "paid collection" and then come after me for the debt. Should I go forward with the ITS anyway? Has anyone had experience in dealing with ACS? Any help would be much appreciated.
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