Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : Received letter from XXXX Co regarding XXXX XXXX XXXX account for $ XXXX : The terminology in the letter states that if I respond or dispute this debt by XX/XX/XXXX, it can not be added to my credit report as a Collection XX/XX/XXXX : Talked to XXXX to tell them of unemployment and financial hardship and disputed the amount on the account XX/XX/XXXX : Noticed account had been added as a collection to my credit report, so I mailed a letter ahead of the stated XX/XX/XXXX deadline to dispute the debt ( in writing ) I requested the original creditor information ( promissory note and contact information ) XX/XX/XXXX : Called XXXX and talked to XXXX who stated he would place this into dispute and that he would send me the original contract of debt. I asked how did they submit to collections without first contacting me to make arrangements for payment. He had no answer, but, informed me that it would remain on my credit report as a collections account whether I dispute it or not. 
XX/XX/XXXX : Still have not received the original contract of debt. So, I went back to XXXX where I had been paying the account monthly up until XX/XX/XXXX. I lost my job due to XXXX in XX/XX/XXXX and reached out to XXXX who suspended my payments. However, they sent me a response saying I had to talk to XXXX about this debt- since it had been sold to them. I was never contacted by XXXX following this COVID hiatus to resume payment or to make any payment arrangements. $ XXXX was not the debt amount in XXXX. This number has been grossly inflated. ( Update XXXX ) - the debt amount has increased to $ XXXX it increases each week. 
XX/XX/XXXX : Talked to XXXX at XXXX Co who explained to me that my account was owned by XXXX, and that they were the ones who placed my account into collections. However, XXXX Co is the placement name on my credit report. XXXX stated she would call the liaison between XXXX and XXXX to have them reach out to me because she acknowledged that I have complied with their instructions to dispute prior to XX/XX/XXXX and that she has no rebuttal on my disputes regarding " re-aging '' the account- and would have someone reach out to me because it should not be listed on my credit as a collections account that was " opened '' on XX/XX/XXXX. This debt originated in XXXX. 
XXXX : Have not heard from the liaison nor received the requested information. Talked to XXXX again at XXXX she informed me that they ( not XXXX XXXX sent a notice of my debt. I asked for the original promissory note and contract because the amount of the debt increased again to $ XXXX from $ XXXX. And I am disputing these amounts. 
XX/XX/XXXX : Finally received original promissory note with letter dated XXXX with a note of validation of the debt. However, the interest is double the original debt- and does not take payments into account. I was never contacted by XXXX or XXXX to resume payment following the COVID forbearance period. However, my account was re-aged to say the account was opened on XXXX when the original promissory note is dated XXXX and this was placed into Collections and listed on my credit report as a collection account. 

I adhered to the letters ' instructions by XX/XX/XXXX, however, the debt is still a collections account on my credit report. As of XX/XX/XXXX, I received the original contract/ promissory note of debt. However, the interest has caused it to be grossly overstated. 

I was never contacted for repayment. Had I been contacted for repayment, I'd have made arrangements in good faith ( evidenced by all other accounts being 100 % paid in full and in good standing on my credit report ). 

It appears XXXX and/or XXXX placed this after it was noted I paid a collections account off in XXXX in an effort to make sure my credit was not in jeopardy. As a fiscally responsible individual, my goal is to meet all my debts. Had I been contacted by XXXX, XXXX or XXXX I'd have disputed the interest charges, and made arrangements for repayment in good faith. I was never given this opportunity. 

Each week, I get a notification from the credit bureaus that my collections balance has gone up.