Product: Student loan

I ordered my credit reports from all 3 bureaus in XXXX because I have recently been denied credit due to my same 2 reports having lower scores than the correct report. I received the reports XX/XX/XXXX. On my XXXX, I had an odd account under the name of " XXXX XXXX XXXX XXXX '' and I know I've never had any accounts with them. I did my research. The debt on my report is listed as " XXXX XXXX '' in the amount of {$11000.00} and there is ZERO account reporting, a disconnected number and the account number isn't valid. I investigated and saw numerous reports of this happening to other consumers as well. 

I then checked my XXXX report. I had 2 odd accounts using a different company name but for the same type of service, " XXXX XXXX. '' I know this is fraudulent. The 2 company names used on this report are : " XXXX XXXX XXXX. XXXX '' and " XXXX Department of Ed/XXXX. '' I further researched and the phone number is disconnected on one and the other had a different company answer and validate this was not " XXXX. '' The debt amounts are not coincidental. The amount of one is the SAME amount as the other company name " XXXX XXXX XXXX XXXX '' at {$11000.00}. The other is {$9700.00}. 

Now, I did more research and found that the address listed on my credit report for " XXXX XXXX XXXX. XXXX '' is XXXX XXXX XXXX, XXXX, NY XXXX. The " XXXX Dept of Ed/XXXX '' location also lists a P.O. Box as the address in XXXX, NY. With a simple XXXX search of this address, it comes up a vacant building with no working number. So today XXXX, XXXX I received a response from the CFPB stating they couldn't process my complaint because they could not get in contact with this " company '' because it is not in the system. Well of course it isn't it is a different company working under many different names to scam people out of money. 

So I did further research today and found that " ACS EDUCATION SERVICES '' has been involved in a government lawsuit just this year where they settled a {$9.00} XXXX FRAUD SUIT with the STATE OF NY who filed charges for fraudulent activities on ACS part intentionally steering borrowers into high interest plans, denying income based plans that borrowers were eligible for and ACS EDUCATION SERVICES scamming borrowers out of more money than they owe so the company can profit!!! ( All Lawsuit documents attached ) Upon further investigation, I looked into ACS and found that their publicly listed address is : XXXX XXXX XXXX, XXXX, NY XXXX!!!!!!! So ACS is part of a lawsuit that just finished up in XX/XX/2019, and now they think they can continue to defraud people by reporting false debts NOT OWED to them under different company names to try to get money??? They think people will just send them money to pay on credit report debt since they are sneaky and not attaching ACS 's name to it on your credit report????? 

The damages to a consumers life is being ignored by ACS Education Services. I have faced many credit inquiries trying to get loans, tons of recent credit denials because this company is fraudulently reporting over {$20000.00} in debt on my report that is NOT MINE and NOT OWED TO THEM!!!! I have had to spend countless hours on the phone with credit bureaus, proving my innocence in this matter and making complaints with federal agencies. They need to be stopped NOW! 

I have recently filed a new dispute to have an investigation launched into ACS Education Services practices at this moment in time.