Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Sycamore Bend XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Contract Callers and XXXX XXXX 's Mismanagement of My Account and Improper Reporting to Credit Bureaus Dear Members of the Consumer Financial Protection Bureau : First and foremost this letter is not a reflection of the young lady I had previously spoken with who works for Contract Callers by the name of XXXX. She has always been exceedingly kind, professional and nice. She did everything she could, but this is regarding XXXX XXXX and Contract Callers overall practices as to how they have caused a lot of stress in my life due to their mistake and unprofessionalism. 

I am writing to file a formal complaint regarding XXXX XXXX 's mishandling of my account and the improper reporting of derogatory information to credit bureaus, despite my account being paid in full as well as the fact that Contract Callers has nothing in place to protect the consumers when the businesses have given false information even after documentation is given. This issue has not only caused unnecessary stress but has also adversely affected my credit standing. 

Here are the specific details of the situation : XXXX. I discontinued my service with XXXX XXXX in XXXX XXXX. 
XXXX. A final bill was issued, and I believed I had paid it in XXXX XXXX. However, it appears I had not, despite being under the impression that I had settled it. 
XXXX. When I noticed the unpaid bill, I promptly paid it in full by the **end of XXXX or early XXXX XXXX. 
XXXX. Despite resolving the balance, XXXX XXXX reported derogatory information to all three major credit bureaus in XXXX and XXXX XXXX, suggesting that the account was delinquent. 
XXXX. Upon discovering this, I contacted the collections agency ( Contract Callers ) and provided proof that the account was fully paid. The representative I spoke with acknowledged this and assured me the derogatory information would be removed. 

Following this, I reached out to XXXX XXXX, who issued me a letter stating that the account was " paid in full, '' which they claimed I could use as proof. However, the letter was written in a manner that made it appear as if they were doing me a favor, rather than admitting fault for their error in reporting the account to collections and the credit bureaus. 

To my dismay, upon checking my credit report again recently, I discovered that the derogatory information is still being carried by the credit bureaus. This is unacceptable, and I believe XXXX XXXX has failed to adequately address and rectify their mistake. 

This issue has caused me significant harm, including unnecessary stress, damage to my credit score, and the time and effort required to dispute these errors. Moreover, I am aware that I am not the only customer who has experienced this kind of mishandling by XXXX XXXX, which raises broader concerns about their billing practices and reporting processes. 

**I am requesting the Consumer Financial Protection Bureau assistance in ensuring the following : ** XXXX. That Contract Callers fully acknowledges their error in sending my account to collections and reporting derogatory information to the credit bureaus after the account was paid in full. 
XXXX. That Contract Callers and XXXX XXXX works with all three major credit bureaus to immediately and completely remove any derogatory information related to this account. 
XXXX. That Contract Callers and XXXX XXXX reviews and improves their billing, collections, and credit reporting processes to prevent similar errors from happening to other customers. 
XXXX. I am also requesting that they pay for me to participate in a program with all three credit bureaus that will bring my scores back up to XXXX and higher range. 

I have proof of all bills paid in full, but am unable to attach at this time, but will do so once I am contacted, I am attaching the following documents for your review : - Proof of payment for the final bill. 
- Correspondence with Contract Callers and XXXX XXXX. 
- The letter issued by XXXX XXXX stating the account was " paid in full. '' - Screenshots or documents showing the derogatory information still present on my credit report. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and hold XXXX XXXX and Contract Callers accountable for their errors. This will ensure fair treatment for me as a consumer and safeguard others from experiencing similar issues. 

Thank you for your time and attention to this matter. Please feel free to contact me if you need additional details or documentation. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sycamore XXXX XXXX XXXX XXXX XXXX