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

On XX/XX/XXXX, at XXXX hours, I received a telephone call that utilized a ghost telephone number. Ghost meaning a telephone number that was local for me, but not local for the company calling me. I answered the call and spoke to a specific person, a female. She asked me how I would like to pay a balance of {$170.00} to an undisclosed company that I had previously paid a balance {$140.00}, leaving a balance of {$170.00}. At that point, we got into a 'XXXX  match '. They wanted personal information without giving me any information pertaining to what this was about. They did not give me the name of the company, where these funds were going to, or what I had previous paid. I offered to give them the last 4 of my social security. They said that won't do, and they can't give me any information with just the last four, which I know to be incorrect. I asked for debt information. When they refused to give me information pertaining to what this debt was about, I asked to speak to a supervisor. They told me, that the only thing they can do is submit a request for a supervisor, and they will call me in 24-72 hours. At this point, I believed this to be related to a company that was correct, but ultimately I was incorrect. This was XX/XX/XXXX. Having been given the name of this company : Waypoint Resource Group, they are based out of Texas. Their address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. I dug this information up, which they were not willing to provide during a recorded call. I recorded their call on XX/XX/XXXX. They then called me again on the XXXX. I do not know if this was their response to speak to a supervisor or not. It was not 24-72 hours, it was 6 days later. That call came in at XXXX hours from an XXXX number. It rang 2 times and disconnected. There was no message left, and when I called the number back, there was no answer to it. I did track that number back to Waypoint Resource Group. It was them. They left no message, and there was no way to get back into that voicemail system. That was XX/XX/XXXX at XXXX hours, 6 days later. On the XXXX, when I received this, I was thinking that these people were going to pull a fast one. I offered a letter, and I sent a letter to the above address. I sent it to the Waypoint Resource Group. I may have made a mention to the company that I thought it was involved with. It was a general question about why I received a call on the XXXX and XXXX. I sent it on the XXXX, it was certified, and they received it on the XXXX of XXXX. On the XXXX of XXXX, I tried to call these people, knowing that they had received this letter, and I received nothing from them. I called them at XXXX XXXX XXXX XXXX. I waited on the telephone fora long time. I left detailed messages, I recorded my messages, and I asked for callbacks. I received no callbacks. I spoke with a representative on the XXXX of XXXX who admitted that they received my certified letter dated the XXXX, that they received in on the XXXX, and they did not respond to it. This is a recorded conversation. This person gave me no more information. I was on hold for 5 minutes to speak to a supervisor. The supervisor stated, contradicting the person i spoke to before, that they had received the letter on the XXXX of XXXX, not the XXXX. They claim that they sent me a letter on XX/XX/XXXX or XX/XX/XXXX, I didn't get that straight. Coincidentally, shear accident, I sent a letter XX/XX/XXXX. I'm within the 30 days, asking for edification what this debt is about. They did not respond to my letter at all. They acknowledge that they received my letter on the XXXX, but they did not respond with what the debt is about. I believe on XX/XX/XXXX or XXXX, they sent a derogatory to all 3 credit bureaus, and I woke up that morning to 3 derogatory remarks, actually XXXX remarks, because each of the credit bureaus had a new account with a passed due balance and a derogatory on a passed due balance, each established on different days. This means that they set up these accounts on different days and sent them in as past due immediately. I knew this came in from XXXX XXXX. It was more than a year old. They said, " I will do my research and call you tomorrow ''. The next day, XX/XX/XXXX, I did receive a call from this supervisor. I asked them if they received the letter back that they sent on XX/XX/XXXX. They said they never get that mail. I believed that to be a lie. They said on a recorded line, that they never received validation for the letter that I sent. I asked to speak to someone higher. They have a director who does not receive phone calls or respond to phone calls. A supervisor was listening in to that call, and I was told that I would get a callback within 24-72 hours from that supervisor listening into that call. I never got a callback, again. Then I sent a letter to the FTC. All of a sudden on XX/XX/XXXX, almost 12 weeks after they claim to have sent a letter, I received a secure email that require I open it with my XXXX account number. I don't do that. I don't give anybody my account numbers. I called them again, verifying with the last four of my social, which they accepted along with everyone else. They confirmed the fee of {$220.00}. That account is still on my credit report, all 3. My credit dropped 70-80-90 points across the board. I now have to purchase things and put off purchases, due to my credit score dropping from excellent to barely good. I also have had to pay higher interest rates. I have always worked with these credit agencies, recording calls and making them do their work. This company is telling me to pound salt, and they are not willing to work with me. They are killing my credit. I don't much like it. They don't respond, they don't call. When they do call, they call with ghost calls, which I refuse to pick up due to solicitation calls. Each of my calls have been recorded, and they can be transcribed. 

On XX/XX/XXXX, I became aware that an " Alert '' on my Transunion report indicated that I had a " collection '' account in the name of Waypoint Resources for {$170.00}. I spoke with the company and they sent a letter in the name of XXXX instead of XXXX XXXX so that I could resolve the issue with creditors. Waypoint refuses to speak to the incorrect information and will not change the letter with the incorrect creditor name.