AES/NCT/XXXX have multiple credit marks on my credit. I never signed an agreement with NCT/XXXX and I have no proof they still own my debt since NCT is a trust ( not a lender which AES claim ). It is illegal to claim NCT is my lender when I never signed an agreement with them. I have multiple marks on my credit which AES claims they ca n't remove even though they are the ones reporting on my credit not NCT/XXXX and AES/NCT is on my credit report even though I never signed an agreement with either company. AES claims NCT will not remove any items from my credit ( they are lying because they can remove them ). I hate dealing with AES because they are bunch of liars and XXXX XXXX is a XXXX because she does n't know she is talking about. She claimed last year that I gave them my mother 's number when the XXXX party collection XXXX actually changed my personal information without my permission. I would n't give my mother 's number out to anyone but she claims I did and never apologize for the misinformation. AES often give out bad information because I record their calls. I will urge everyone to start filing complaints with CFPB so AES can be shut down. They are engaging in illegal business practices by claiming NCT is my lender when they are a trust. NCT does not lend money out because they are a XXXX party debt buyer of student loans which means they must adhere to the FDCPA and FCRA plus the trust regulations. I want all negative items removed from my credit because I do not want to deal with AES anymore because they are an evil company that should be shut down. I also have reps sending my debt forms by email even though I have told them several times, I will NEVER DO AUTO DEBIT WITH AES SO STOP SENDING THEM TO ME. I do n't trust AES to go into my checking account so there is no need to shove this product down my throat. I want see proof that NCT is the lender of this debt, I need to see paperwork that shows I signed an agreement with NCT/XXXX.