I am writing to dispute the status and terms of a student loan I used to have. The is listed on my credit report as XXXX XXXX XXXX by XXXX. It has an account number of XXXX and the associated telephone number is XXXX. The amount is currently listed as {$7300.00}. When I call the number detailed on my credit report, a representative answers with " XXXX XXXX XXXX. '' When I give them my social security number, they have no record of a student loan and they tell me I have to contact the servicer. Yet they are listed on my credit report as the servicer. It is like a circular nightmare. I have no loan of any kind for any reason with a balance at this time. While I did have student loans that XXXX XXXX may have purchased in the past, those loans have since been paid in full to subsequent purchasers. XXXX XXXX is responsible to update the credit reports with accurate information rather than just leave negative things on people 's credit report. Furthermore, a person can not correct this problem if you call the creditor 's number listed on the credit report and they have no record of you ever owing money. It 's a dead end.