I met XXXX XXXX in school. We were both attending XXXX XXXX XXXX XXXX and XXXX back in 2007. I was not aware of that I 'm a responsible person for both of her loans until now. She asked me to help her out and be only on her form as reference. She said that she will be paying for her loan and I have nothing to worried about. It was never explained to me that I would be liable for her payments. I was paying for my own school at that time and never missed any payments. I trusted her because she tried to be my best friend and I gave her my personal information such as social security number, address, employer and so on. It was a very big mistake. I defiantly misunderstand the whole process and did n't know that she was taking advantage of me because I was very limited in my XXXX and been recently moved from XXXX was not aware of all the loan responsibilities. She was not honest with me and she did filed multiple loans under my name without my permission. I never signed anything and never got any alerts or notifications from the loan company. Otherwise I would never done it. All I wanted just to help a friend to go trough school and get her education. We only had XXXX conversation about her school loan back in 2007 but after she got needed information from me she filed XXXX loans that I did n't authorized. I have t dispute these fraud activities because it 's effecting my life negatively and XXXX is not in contact with me any longer still taking advantage of my credit history.