Product: Credit reporting, credit repair services, or other personal consumer reports

Agent, At the beginning of the Pandemic, I had to buy materials for my home to stay healthy because allot of items were leaving the shelves, i.e., medicine, food, mask etc. I am a XXXX  and needed to ensure I stayed as healthy as possible. I was already living from Paycheck to Paycheck because of XXXX XXXX and going back and forth to XXXX XXXX  from XXXX XXXX  often for my XXXX services. I had a lot more bills, but the XXXX services were a major task. 
XXXX XXXX XXXX contacted me and informed me they could help me pay off my bills and increase my credit. I agreed to their terms and paid them faithfully every month. I graduated the program XX/XX/2021, and they had the XXXX XXXX XXXX to negotiate an agreement with each lender that I had. My credit should have been repaired and no delinquency reported to the collection centers, or Credit Bureau, but that did not happen. Navy Federal agreed to the terms and is reporting that I have delinquent payments and a bad debt for the two accounts I had with them. I am attaching both settlement letters from the Navy Federal Credit department and the graduating letter from XXXX XXXX XXXX. Navy Federal is also still showing that I have a balance due for the paid off credit card account. 

Please help. 

Sincerely, XXXX XXXX XXXX The letter from XXXX XXXX XXXX  CONGRATS YOU XXXX XXXX To : XXXX Tue, XX/XX/2021 at XXXX XXXX Congratulations, This letter is to inform you that you have successfully completed your program. We are excited and proud of your accomplishments and all the hard work you have put into building your future. 

We would like to remind you of the ongoing programs available to you and your family on your road to financial freedom. 

- The XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX XXXX XXXX provides members with access to a nationwide network of over XXXX plan attorneys who provide free and discounted legal services to you and your family. As a member, you are entitled to a referral with an attorney to handle your legal needs when the unexpected happens. 

- As well as, XXXX XXXX XXXX XXXX XXXX. With every credit report you, receive a consumer-friendly yet detailed analysis that breaks down your credit and identifies the top positive and negative factors affecting your credit. Additionally, XXXX XXXX gives you a detailed credit-boosting plan to maximize your credit. Make informed spending decisions based on objective, factual credit information. XXXX XXXX reveals conflicting information from Credit Bureaus to rectify situation immediately. 

In conclusion, if you have accumulated any other unsecured debt please let us know. So that we can assist you stay debt free and able to partake in the great interest rates available to you. If you have any further questions, please contact ( XXXX ) XXXX. 

As always, it is a pleasure to earn your business. 

Best Regards, XXXX XXXX XXXX XXXX  Ph : XXXX Fax : XXXX Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. 

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