ACS Education Services Student Loan Complaint

ACS Education Services Student loan department,

Non-federal student loan Dealing with my lender or servicer Texas

My complaint ( s ) :1. ) ACS has refused to answer the questions below. The questions are in response to - - - statement to CFPB complaint # -. Her response contradicts how delinquent items are to be reported under the FCRA. My questions : -Reporting the date of last delinquency ; does it start from the date the account first went into non payment status ( i.e. payments were to begin - but a forbearance is added on - account is 2 months delinquent ; does the date of first delinquency begin on the month after the first payment was due PRIOR to forbearance or does it begin at the end of the forbearance ... no payment was ever made before or after )? Considering no payments were made ; does a forbearance negate the original date of delinquency and cause it to start after the forbearance? 2. ) ACS did not address why it is reported differently on the - credit agencies. ACS stated this account is not being reported on -. It is ... see below. - : ACS/- / -. - : - / C/O ACS. - : ACS/-. 3. ) ACS is telling me that I need to contact - - to resolve this issue. - - is no longer in business. All the numbers for - - ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.