To Mr. Knowitall, your reply is extremely rude and mean spirited. I don't mind some CONSTRUCTIVE criticism. You could have said, "No, they did nothing illegal and you're stuck," but instead, you chose to attack my character. I stated clearly that the report was not accurate as it does not state that the debt was settled. And I find it surprising that you think what they did was simply "mistakes." Lying is not a mistake.

To others who might still reply with help, let me clarify,

First, the huge issue is that the report should say it was settled. I want to complain about this. I'm not questioning ACS's right to report me. That was obvious.

Second, I never thought or attempted to "skip" payments. Nothing in my post suggested I did or tried to do that. I would have made those payments. I wanted to make them more than anything. I could not make payments because I had no money. That's why I applied for an IBR. That's not skipping. I did the right thing and filed for a deferment. They did not do the right thing. I have read many reports of ACS fighting IBR's. If they had done their job I would not have a report on my account at all, let alone a misleading one. That's what's wrong. I did everything I could. That's why I want to know if there is anything they have done that is illegal. I know they have a right to report me. I know I was suppose to make the payments. I just want to know if they did anything illegal I can complain with. I know what they did was wrong.

Third, the credit card company told me I was rejected because of the report and I had before this, received credit lines. I did in fact state this already.