Consumer complaint received 2020-02-12
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was the sole service provider for my internet services from XXXX. They had the exclusive contract as the service provider. We sold the property and moved late XXXX. The new owners set up service prior to moving in at the same address. 
I call XXXX on XX/XX/XXXX to let them know we are out and to terminate the service as that would be duplicated service at the same address. Furthermore I told them we had options for service providers at our new house so we wanted to terminate and pay the final bill. 
They gave me a final amount of {$270.00} and stated it was good because the billing cycle was XX/XX/XXXX. 
The agent was trying to get me to move service to the new location but I told him the service was inferior to our options. 
He said he was just making some notes and was making sure it got terminated. 
His agent number was XXXX. I felt by his speech he was manipulating. 
We received a final bill with my new address where service was never set up for {$95.00}. I called them to find out what the services were as we had paid the final bill in full. That service agent said it was odd as it showed a new connection fee and other miscellaneous fees that totaled {$100.00}. 
She said that she would send us an email to show it was paid in full as we described but we never received it. 
We had set up XXXX  that same week so this charge was fraudulent. 
I then received a notification from a collection agency Credit Protection Association LP in XXXX TX. I called XXXX and spoke with XXXX ( Agent # XXXX ) and she said she didnt understand the charge but, I had to deal with this collection agency since it was nothing she could help with. 
I spoke with the collection agency and gave them the dates and details along with the agent numbers on the date spoken they said they would dispute it. They told me to give them two weeks and to check back with them to see the update. I checked back with them about 30 days later to see what the status was and they said XXXX reinstated the charges and started it all over. I gave them again the details as it transpired. They said they would dispute it again and to give them some time. My wife and I are in the process of purchasing a home. My mortgage lender called and said I had a bad debt from a trivial service provider reported 23 days ago and asked what I knew about it. I had no idea and there was no mention in our communication that transpired in the last 3 to 4 weeks of them reporting me to the credit bureaus. My broker advised paying the fraudulent debt even though it was fraud to get it removed. I spoke with them tonight to tell them I would pay it but I wanted proof of deletion as it hurt my FICO score over 150 points. 
They said they will not provide a deletion letter and it was my responsibility to reach out to the credit bureaus. I dont know where to go from here but they are keeping me from being approved for a house mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation