Unfair tactics used by student loan collection agencies creating confusion for repayment of student loans. 
After completing my masters program in XXXX, I began making payments to a " XXXX XXXX XXXX At some point in XXXX ( or later, it 's very unclear ) another collections agency SAF-XXXX was also trying to collect on the same student loan. Although SAF-XXXX said they tried to contact me via mail it would have been difficult to contact me due to the fact that my working location has been in XXXX from XXXX XXXX until XXXX XXXX. Also, I was already making student loan payments to " XXXX XXXX '', so there was no way to know or expect a change in who my student loan payment should be made to or that I needed to make payments to XXXX different agencies. It was a complete surprise to me when I went to consolidate the loan with XXXX in early XXXX and after reviewing my credit report, I found XXXX XXXX XXXX XXXX separate negative entries from SAFXXXX. After making a few calls to SAFXXXX to investigate why there were XXXX separate negative entries on my credit report, I found out some, all or whatever part of my student loan ( s ) was transfered to SAFXXXX for whatever reason, it was really unclear. Furthermore, I did not understand why there are XXXX separate entries on my credit reports for the student loan when I am only making one ( 1 ) payment to XXXX company. I only found out about the negative reporting after making a call directly to SAF-XXXX offices in XXXX to investigate as to why SAF-XXXX was reporting negative credit information on my credit reports. Again at that point in time and after talking to the SAF SAFXXXX representative I found that SAFXXXX did not have my correct phone number. I also asked why an email was not sent to my long standing XXXX XXXX account and I was told you do not use email as a means of communication. Because of the above mention items, there was no way for me to know that the loan transfered to another collection agency. 
It is very confusing to the payee/student when you are making payments to XXXX collection agency and for some reason there is a change to or request from another company to also pay them. Also I do not know why I would have several negative credit entries on my credit reports when I am paying XXXX loan payment. 
