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Old information reappears or never goes away. Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the XXXX withheld my XXXX income tax return of over XXXX to the Dept of Edu XXXX The 2 XXXX XXXX are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These