I was contacted by Student Loan Processing Direct ( XXXX ) by XXXX XXXX in XXXX 2014 for the purpose of paying off my Federal loans, consolidating them and lowering the interest at a fixed rate. A consolidation fee would be need to be payed in the amount of {$390.00} to start the program then an agreed monthly amount would be paid against the loan. Monthly payments were deducted beginning XXXX 2014 to present. When I learned my credit was indicating a negative score from the Federal Loan Program is when I learned this company had changed my contact information & phone number to another address and falsly claimed my loan in foreberence to avoid the Federal Loan from trying to contact me.