Dear Sir/Madame I have been disputing this deragatory mark for over a year now and just a couple of weeks ago I finally got the corporate office to take action against the local office creditor, and was subsequently informed ( as I had already known all along ) that I, in fact, did not owe anything at all and that there was a definite error on my account that was never logged or recorded with the local office, and was informed that they would get right on it to make sure this negative account was removed from my credit file. You see, I had already paid in full for the required year for a pet program named " The XXXX XXXX '' which was good for up to a year for regular veterinary visits that were within the plan, however, I had to pay up front any services that were not covered by the plan, such as emergencies, prescription drugs, and/or any medical treatment that was not a regular wellness plan visit. Of course those dues, if any, were paid up in front by me or they would have never seen my dog. However, my yearly due fees for the plan were made in advance and paid up. Well not 2 mos. Into the yearly plan did I have an altercation with one of the veterinary assistants due to her inhumane treatment towards my dog, who had a condition called XXXX at the time, was very weak, very sick to the point of death, and during this critical time in my puppy 's life, she commenced to place a nozzle around my dogs entire mouth and nose as a caution for her to not be bitten during a shot, and I felt that the nozzle was a bit extreme, knowing that dogs do not know how to breath out their noses, and I knew this would somehow cause undue stress upon my puppy while receiving a shot. She then commenced to shove my puppy 's head down and yelling at him during his shot, causing him to be extremely alarmed and aggitated. I explained this to her at this point, whereas she immediately ran to veterinarian complaining of my argument with her. I was then told to leave and when I had made an appointment the following month without incident, after I showed up for the appointment and waiting, the veterinarian saw me and again informed me that they could and would not see me again until I had touch base with an administrative officer to work out this issue if I was to remain in the wellness plan. So asked to leave again,, I never again returned, still having an open, never redeemed remaining balance. I did not fight this and subsequently forgotten for The rest of that year, I did a credit report check to find that they had not only NOT issued me a refund for what I hadn't been able to use, but also charging me another full year for services I never got to use again due to their exiting me from the program and that I was now, unfairly and falsely placed in collections for non payment. This being only after 2 short  months of service, with my having a full 8 months more remaining balance on which to utilize their services. 
I had contacted them right away in hopes to get this resolved and the negative mark eradicated from my credit file immediately! The issue was understood by the creditor and promised measures were to be taken I was informed and would be receiving an update call shortly thereafter. Well that call never came and at that time I had other stressing issues that demanded my attention and that deragatory mark on my record was temporarily forgotten.

Well again here I am to date, as I had said earlier, two weeks ago of the promise to remove this negative false mark from my file, as I had explained, it was the only negative mark on my record and it was causing me undue stress and credit worthy issues with other creditor while trying to obtain an auto loan. This contact being my 5th contact with everyone and anyone that pertaining to this account, from creditor, then their corporate office, down to the local office itself who had made the mistake. These creditors for this company as well as corporate, made several phone calls to them about this promised wipe of negativity promised me by them, only to be informed through these other people contacted that they were going to append this issue at once and get this issues deleted, wiped clean off my record because they knew it was an error of their own doing, and would work speedily to get this resolved. I have just today, attempted my 4th phone call in two weeks time, whereas have been informed that nothing has been done for this account as, like the 3 times prior to this, the person handling this issue was not in, but would be in the following day and be up on this issue. Today, again, I've been told the same thing. 
This was an error on their part which I believe should be handled in more of a timely manner than has. And being the only deragatory record on my credit file, my most recent desire to obtain an auto loan is being thwarted due to this fact, and right now? Right now, I'm demanding that they get right to work on this unwarranted on my part, major error, and get this urgent unwarranted error causing me issues, taken care of IMMEDIATELY! This is by far, no fault of my own, as they also can detest. So why am I being the one who is victimized due to this improper, untimely handling of this? Unfairly so. So I'm begging you to step in for me in investigation this fully and hopefully attaining a proper and immediate resolving of this matter. 
Have a good rest of the week and thank you very much for offering your assistance on this matter. 
Sincerely, XXXX XXXX XXXX