Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, XXXX closed all of it's existing XXXX XXXX XXXX Credit Card accounts for all customers. The last email I received from them stated the following : Current balance : {$7300.00} Minimum payment due ( including past due amount ) : {$520.00} due on XX/XX/XXXX In XXXX, I started getting contacted aggressively by Servicing Solutions : XXXX At this time they told me the following via email : Total Balance {$7300.00} - Payments & Credits {$0.00} + Purchases & Other Charges {$0.00} + Interest Charged {$160.00} 4 year ( XXXX ) {$11000.00} = New Balance {$7500.00} Then the following email a week later : We need you to bring your account current today by paying the past due amount of {$520.00}. 

- As of XX/XX/XXXX your balance is {$7500.00}. 

- The current minimum payment due on XX/XX/XXXX is {$770.00} and includes the above past due amount. 

XXXX weeks later I received that following : This is your opportunity to save on your XXXX XXXX XXXX. We want to resolve this matter as quickly as possible so we are proposing the following settlement offer : XXXX lump sum of 70 % of your current balance, due and payable on or before XX/XX/XXXX. This is a 30 % reduction of your current balance and would result in the largest saving for you. 
Or : XXXX equal installment payments of 80 % of your current balance, beginning ( no later than ) XX/XX/XXXX and continuing on the due date of each succeeding month. This would result in savings of approximately 20 % of your current balance NOTE : If you fail to make each monthly payment on time, the terms of the settlement will be null and void and you will be responsible for the full amount owed. 
If you do not call our office on or before XX/XX/XXXX to accept this XXXX time deal, this offer will become null and void. We are not obligated to renew this offer. 

A week later I received the following email : This is your opportunity to save on your XXXX XXXX XXXX. We want to resolve this matter as quickly as possible so we are proposing the following settlement offer : XXXX lump sum of 60 % of your current balance, due and payable on or before XX/XX/XXXX. This is a 40 % reduction of your current balance and would result in the largest saving for you. 
Or : XXXX equal installment payments of 70 % of your current balance, beginning ( no later than ) XX/XX/XXXX and continuing on the due date of each succeeding month. This would result in savings of approximately 30 % of your current balance. 
NOTE : If you fail to make each monthly payment on time, the terms of the settlement will be null and void and you will be responsible for the full amount owed. 
If you do not call our office on or before XX/XX/XXXX to accept this XXXX time deal, this offer will become null and void. We are not obligated to renew this offer. 

Then a few days later : On or after XX/XX/XXXX Servicing Solutions sent out a settlement offer to you that had an expiration date of XX/XX/XXXX. We here at Servicing Solutions thrive to assist our customer, so we have decided to extend the offer until XX/XX/XXXX. If you need a copy of the offer, please feel free to contact XXXX Solutions and we will happily forward the information to you. 

In XXXX, they started aggressively calling and I blocked the calls as they were always automated. Then today ( XX/XX/XXXX ) I was notified that a very late more than 90 day missed payment was reported to my account and the total was the following on my report : Credit Alert Delinquent Account Reported By XXXX XXXX Reported On XX/XX/XXXX Account Balance {$7800.00} As I understand it, a purchaser of debt is not allowed to accrue interest on a closed account without proof of ownership. I contacted XXXX and they said they knew nothing about it. Other consumers had warned that Servicing Solutions has committed shady business tactics like extra charges and applying retroactive late charges, so I have avoided engaging with them. Furthermore, XXXX account delinquencies should not be reported to personal consumer credit reports.