<prompt> Human: I had a student loan with the XX college Loan Authority for which I had automatic payments set up. Id never missed a payment. Evidently, they sold the rest of the loan to ACS Education Bank of America, I think?, so my automatic payments stopped going through.To inform me of this change, I guess they sent a letter to my parents house, but I was unable to get it because the house has an environmental contamination rendering it unenterable long story. Basically, I didnt get the letter. I also began getting calls from the new lender. These were very cryptic robo-calls that didnt mention me by name from a new lender Id never heard of, asking for my SSN. So naturally, I figured it spam and didnt give it to them until one day when the call all of the sudden had my personal information, informed me of my delinquency, and I was able to confirm it with the large drop of my credit score. :- Since I wasnt automatically making payments, Id missed my first payment by two months, despite not having any knowledge of it. That being said, they DID make attempts to contact me albiet shitty ones, so I fear that the blame might still fall on me.Does anyone have a recommendation of what recourse I should take to attempt to get this removed from my credit report? With whom should I dispute the payment, and is there a best way to do so? Has anyone had a similar experience andor any advice on what I should do?TL,DR: Bank sold loan to new lender without my knowledge, made me miss first payment. Credit scoreplosion. Canhow can I dispute to salvage credit?  <response>: Sallie Mae did this to me, except they made no attempts to contact me - they already had a couple of my loans, and had all current contact information. I only noticed because one day I saw that the auto-payments to federal student loans had stopped even though auto-payments to Sallie Mae didnt get bigger...I called Sallie Mae, explained what happened, said I was now 2 months behind on my payments, they said No problem, we wont count this against you as long as you send us the payments from the last 2 months now.So I did, and they didnt count it against me, and it was great. Just give them a call, explain what happened, and theyll likely work with you to settle everything out. Might not go as smoothly as mine did because mine wasnt my fault, but itll help. 