I posted about this awhile back ago but I dont quite understand whats up and maybe the site administrator might help out ;)

My federal student loans arent in collection, I never paid them back nothing and now they dont exist as of August 2005.  Nothing at all on them as if they never once dealt with me (they check using BOTH my co signers SIN and my SIN).  They said be happy if your story is true so Im letting that part DIE!

Now CIBC as of August 2005 was in NCO collections hands since about 2 years ago.  In August 2005 CIBC reclaimed the debt (taking it away from NCO).  So good there NCO collection against me was gone (yay).  Anyways still the CIBC account itself shows on my credit report so I call CIBC to pay in full but guess what?  CIBC says nope we have never dealt with you at this bank(Using both again my mom and MY sin numbers).  BUT it still remains on my credit report.  So I call National Student Loan center AND NB student loans nothing they never dealt with me according to them.

Now I need that CIBC account either stating PAID in full or whatever what do I do?  NOBODY knows WTF I am which is somewhat cool(lucky i guess no?).

Anyways I did an investiagtion with Equifax and Transunion over this as again CIBC states they never dealt with me, no files nothing on me with their bank.  The credit agencies state HEY your lucky if we request the file and they cannot provide in 30 days its deleted.

HOWEVER in the meantime I want to prepare for paying it back who else would I call?  The CIBC number and account number are no good basically because when I call NOTHING no account EVER existed.  Help?