Worked with ACS for 4 months on status of son's loan, only to learn that they consistently provided me with incorrect information over the phone and would not send anything in writing. In April and May they sent negative entries to the credit bureaus WHILE I still thought they were processing his loan. Now my son cannot get more financial aide and all my credit accounts have been suspended (THAT is how I found out that ACS was never working on the account). Have issued dispute with ACS and forwarded history on the complaint to Dept. of Education, PA Attorney General, and Consumer Response Center.