Product: Debt collection

Subj : XXXX unlawfully sent my account to collections... 
My XXXX account was incorrectly sent to collections and I am disputing the entire balance. I have exhausted the steps delineated by TransWorld Systems ( the collections agency ) on behalf of XXXX XXXX to challenge this unlawful debt. Their response was a settlement offer and not acknowledging that the debt was unlawful. I will now pursue all other remedies, including filling complaints with the regulatory agencies for XXXX XXXX and for TransWorlds Systems. Please help me to correct this unlawful and unfair situation by reviewing my documentation attached and contacting XXXX XXXX and for TransWorlds Systems. Please reach out if there is any further information you need from me on this. Thank you! 
Background : I purchased a XXXX XXXX XXXX Plus phone from XXXX with a XXXX promotion for a discounted phone financed by XXXX as the creditor at the end of XX/XX/XXXX. I subsequently returned the phone in-store at XXXX and cancelled the installment plan XX/XX/XXXX by calling XXXX and notifying them of the phone return. The phone was never activated nor used. I have a full document trail proving these assertions ( attached ). I was told when I called XXXX the next day after returning the phone that the return of the phone would automatically cancel the installment plan and zero out my account, but that they needed to wait until receiving confirmation that the phone was returned to XXXX before proceeding. XXXX never zero 'd my account, although they did acknowledge that the phone was returned because their e-mail stated that the installment plan was completed ( and it could only have been completed when XXXX received notice that my phone was returned, because I never paid any money on the installment plan ). But even though XXXX acknowledged that the phone was returned, they never zero 'd my account and never contacted me prior to sending my account to collections. 
I am formally requesting that : 1 ) My entire balance be zero 'd out as it should have been back in XX/XX/XXXX) If any entries were made against any of the national credit rating agencies about a debt owed or about a collections account by either TSI or XXXX, that they immediately notify those collection agencies that any information was made in error and that they immediately cause those credit reporting agencies to erase any reference to this dispute with TSI and with XXXX. 
Here is some information about the documents that I have attached to this e-mail : The attached document contains the purchase receipt from XXXX, the XXXX online contract and promotional installment plan, a screenshot of the XXXX return desk computer showing the return on screen for my order, screenshots of the XXXX app where the return was approved, the email from XXXX with return instructions ( to bring the phone to their store for return ), notes regarding the XXXX representative acknowledging the return and annotating my XXXX account that the phone was returned to XXXX, and notes about the location and rep name of the XXXX employee who received the phone from me. I also included XXXX e-mails from XXXX that show that 1 ) there was no activity ever on the phone- it was unused, and 2 ) an e-mail showing that the device payment buyout was completed. Note that I never paid off the phone, I just returned it to XXXX and the return flagged that account as " paid off. '' So even XXXX is acknowledging that the installment agreement was completed via the return of the phone. 
Please review this information and notify XXXX that my XXXX account balance should have been zero 'd and that my account should never have been sent to collections. If you have any questions, please e-mail me at this address. 
Thank you for your help!