You have a contract with the loan company. Does what the loan company is doing breached its contract with you?
I am licensed to practice law in Michigan and Virginia and regularly handle cases of this sort. My answering your question does not establish an attorney-client relationship. You should consult a lawyer so you can tell the lawyer the entire situation and get legal advice that is precisely tailored to your case.
I am not sure how the company "selling" your loans would impact your credit if you have continued to make your payments on time.
The mere act of selling a current to date loan should not impact your credit rating. With respect, some information seems to be missing from this description.
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