I just got my XXXX Credit Reportand noticed bills for XXXX loans that have been sent to collections. When the losns were paid out I was not even in XXXX because I was XXXX. I only attended XXXX XXXX before I was XXXX and I was told that I never receives a disbursement. What can I do about this? I do not see this as fair at all and it looks lioke a huge ding on my report. I believe that this should be definitely removed from my record.