I have a student loan account through XXXX XXXX XXXX that was also through JP Morgan Chase Bank. The account was sent to collections through XXXX XXXX XXXX, even though I never received a bill or an loan payment notice to begin with. I started paying the collections account in XX/XX/XXXX. All payments of {$150.00} per month were agreed upon by XXXX XXXX XXXX and have been made on time. My credit reports show that I have missed payments that are 180 days late for XX/XX/XXXX and XX/XX/XXXX but these are incorrect. I also do not believe that the payments should have ever been sent to a collections agency in the first place, because I was never informed that there was any payment due to begin with. The account as a whole has had a very negative effect on my credit and may cause issues for me at work, since I am enlisted in the XXXX XXXX XXXX and hold a Top Secret Security Clearance. I have tried disputing this multiple times through XXXX, XXXX, and XXXX  and through XXXX XXXX. JP Morgan Chase Bank will not respond to any phone calls, emails, or correspondence from the companies or myself and has failed to correct the information after years of filing disputes.