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  1. Ok so I have a very confusing situation that I hope someone will be able to help me solve or at least point me in the right direction. Sorry for the long post! I took out a school loan from a University I attended in Spring of 2011, the loan was to be repaid from my federal student loan for summer courses I was taking. My loan came in and was credited to my account ( it said I owed nothing and was actually due a refund). When my grades for the Spring semester came in they did not meet the schools academic standards and I was dismissed. The only redeeming thing I could think of from that experience was that I had a bill in my hand from the school for $0.00. Fast forward eight months later, I get a bill from the school for the Spring 2011 loan that I believed and had documentation was paid off. Turns out the school said I was not eligible for the loan because of my Spring grades ( which do not come in until two weeks into the Summer Semester). I called and tried to talk to the school, which had added on a late fee before they even sent me notice of the bill. I have argued with them for years because they say they were supposed to return the entire loan and I have researched school loan policies and the school's policies and have found nothing. I have even talked to an attorney who has sent two letters offering to settle the matter for the original amount ( not the massive late fees they've added to the bill) which they have not answered. They have reported the debt to a debt collector that has in my opinion reported the matter in a fraudulent way. So I am disputing it as paid in full. What chance do I have at getting this removed from my reports? Didn't accord and satisfaction happen when it was paid? Experian said it was just an intermediary in the dispute process, which really isn't true because the debt collector can put their information up, but I get a small sentence saying I dispute the bill, I don't get to show where the bill has been paid. Anyway I know this is a long post, but hopefully someone has some advice for me! Thanks in advance!