I am disputing the charge of {$120.00} from XXXX because I was told in XXXX 2016 that I no longer owed them the money and that the account was taken care of. Please see my case below. 

On XXXX XXXX, 2016 my husband and I asked our credit to be pulled to purchase our first home together and I was shocked to find out that there is a mark on my credit from Transworld Systems. After much research on XXXX XXXX, 2016 I found out that the original creditor is XXXX. First, let me state that I have not received any notice from XXXX or Transworld regarding a delinquency resulting in reporting to the credit agency. As I am sure you are aware that your company is required by law to submit in writing a letter to me letting me know that you will be adding a delinquent record to my credit report. This letter was never sent or received. 

After much more digging I found out that this XXXX bill of {$120.00} was taken care of in XXXX 2016. In XXXX I spoke with XXXX XXXX and after much back and forth told me I did not owe anything further and I left it at that. Since then I have received nothing from XXXX that is until finding out that Transworld has put a delinquency on my credit. 

I have since done the following to correct this action and have not received help from any party : XXXX/XXXX/16, I called Transworld and spoke with XXXX XXXX with questions regarding this account, I was referred to speak with XXXX to discuss the account. I called XXXX and spoke with XXXX who told me to call XXXX XXXX XXXX, which was the provider that gave me the knee scooter. I called and spoke with XXXX XXXX from XXXX XXXX XXXX and he informed me that I do not owe any money to XXXX ( please see the enclosed letter ). XXXX/XXXX/16, I called XXXX back and asked to speak with a supervisor, after 45 minutes on hold I finally spoke with XXXX XXXX who informed me that I would not owe XXXX money that they billed my insurance and it was denied and that I owe XXXX. I explained to XXXX about my experience in XXXX and he told me that was not noted in the account. I also asked for him to send me the information proving that I owe the funds ; he told me they billed my insurance and that the insurance will have record. 

XXXX/XXXX/16 I called my insurance XXXX and spoke with XXXX and XXXX in XXXX separate calls, they XXXX informed me that XXXX never made a claim for a crutch substitute. After hanging up the phone with XXXX I called XXXX back and spoke with XXXX who said I could not speak with anyone other than XXXX XXXX even though I requested to speak with someone higher than XXXX, XXXX put in a ticket for a manager to call me back within XXXX48 hours. I called Transworld back and asked for a manager and after much hold time I got on the phone with XXXX XXXX and at which time was informed that my account is under dispute and that I can not discuss my account. I asked for XXXX and me to call XXXX and sort it all out, as I noted this credit mark is prohibiting me from purchasing a home. XXXX informed me that we could not do that and that I had XXXX48 hours before they had to reply. 

XXXX/XXXX/16 I called XXXX and spoke with XXXX XXXX who informed me that there is nothing they can do to take this off of my credit and that he will have to speak with his supervisor and they will call me back. 

XXXX/XXXX/16 I called and asked for XXXX XXXX to discuss my account and have been informed by XXXX XXXX that I must submit a letter in dispute and that until XXXX replies to Transworld there is nothing that they can do to help me. I can call back and speak with XXXX XXXX in a few hours as he is on break.