Private College Student Loan

What can I do to straighten out a mistake a student loan company made? A student loan company has been sending me invoices for a few months now. The problem is that the person they are referring to has the same name as I do with the exception of the middle name. His middle initial is "L", but I don't have a middle name. They called me a while back and I told them the problem. When asked if my SS# was such and such, I said no. They then asked me if I attended the University of Oregon, I think it was. I said no and gave them the name of the college I attended. They then said, "Oh, ok." and hung up. I figured the matter had been settled and they realized they had the wrong person. What I'm guessing happened is that this other person with the same name as myself was listed under my contact information, and now I'm getting his invoices. I've already begun paying my own loans off as of August. So, I'm all set as far as paying off the debt. However, I am STILL getting the invoices of this other person with the same name as myself. I've cleared this up twice with this loan company and they are still sending me invoices. I recieved another letter from them today saying that "the default of (my) student loan(s) has been reported to the national consumer reporting agencies" and that my "credit rating may have been damaged by the reporting of (my) default". Now, I'm almost positive that they don't have my SS# and instead have this other person's, with my name, instead. I'm thinking that this poor other guy hasn't even recieved any of these invoices and is oblivious that his credit may be damaged. I plan on calling them again tomorrow to clear this up once and for all. My question is, if this third time doesn't straighten the matter out, what else can I do? Also, if it makes any difference, this loan company sending me these invoices is "Northwest Education Loan Association" or NELA. I took my loan out with "American Eduction Services". What I'm wondering is, how did this other loan company confuse my contact/mailing info with someone else's even though I never took a loan out with them? Any help would be greatly appreciated. I've just gotten off of the phone with the company and what had happened was the first two times I'd called, I'd been directed to the wrong department and the mistake was never cleared. This time, however, I was directed to the default loan department and the representative confirmed the mistake by asking me if the last 4 digits of my SS# was so and so and I'd said no. Also, my birthday did not match the one they had on record. She'd told me that what had happened was that my mailing address was mixed up with this other person's via the yellow pages. Anyway, I'm sure the mistake has been settled and I appreciate your all's input :D And I just checked my credit report online and it's perfect.

Defaulted Student Loans - Consolidation (Long Question)? I've been in default on a few federal Stafford loans for a few years that were originally through Sallie Mae, but for the last 11 months I've been making payments to a company called GC Services which is listed as the company that Sallie Mae sends defaulted accounts to. I've rehabilitated my loans through GC Services and now they want me to consolidate these two loans, but are asking me to pay an 18.5% collection costs along with my consolidation. I've looked into a Federal Direct Consolidation loan through https://loanconsolidation.ed.gov, and it appears as though they offer everything GC Services does, but without the extra collection cost. The only issue is that I might have to rehabilitate through them (?) but they say I can do that in only 3 payments. So I've got a few questions: A) Is there any reason that I would be forced to go through GC Services rather than through a Federal Direct Consolidation loan? B) If I can get a Federal Direct Consolidation loan, what happens to the payments that I have made to GC Services over the last year? C) In order to fill out an application for a Federal Direct Consolidation loan I need to have my account number and my "Loan Holder/Servicer Name", but I can't contact Sallie Mae for that information because according to them GC Services has all of my accounts, but they list my account number as my social security number. How do I get this information or is my Social Security number good enough? D) On the NSLDS website ( https://www.nslds.ed.gov/nslds_SA/ ) when I look at my loans, it lists information for a "Current Servicer" which is ACS, a "Current Lender" which is Bank of America, and a "Current Guaranty Agency" which is Northwest Education Loan Association, which of these should be listed on my application as "Loan Holder/Servicer" under "Loans I want to consolidate"? There is a reason I have been ignoring this problem for so long, I just don't know how to handle it! Any help would be greatly appreciated, and if there's any other general information regarding this please let me know. Thanks! I asked if there was any reason I would be forced to go through GC Services, but I should also ask if I am right in thinking that they are the same thing but with an extra 18.5% collection cost. Is it smart to try to go through the Federal Direct Consolidation loan instead or should I just stick with this company?