My student loan with AES/National Collegiate trust was closed as derogotory and collection account was opened with XXXX, XXXX, XXXX for the same debt. The debt has since been settled in full but I am being XXXX-dinged for the same debt by XXXX parties. IF the debt was sold by NCT then they should have now right to the debt and the closed account should not be reported because the new account with the collector is valid as they would hold the rights to collect. If NCT owns the debt and Hired XXXX to collect then XXXX should remove their collection account from my report as they dont have rights to the debt only NCT does. XXXX-dinging a persons credit report is unethical and a gross misstatement of defaults on my credit history.