Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Merchants and Medical Credit Corporation, Inc. (TX)

My previous employer was XXXX XXXX in XXXX XXXX, XXXX, and I was gired as a XXXX. I awent to a training course with them for 3 months. They told us that I could make good money but I found out if Im on the bottom of seniority then I would have to work in the XXXX  as a XXXX XXXX XXXX earning only XXXX  dollars per hour. Also, thier employees are very agressive therefore I didnt like that environment, so I left the job on XX/XX/XXXX. They told me that I have to pay them XXXX thousands dollars for the course I went through with them, I accepted, but they told me that another agency gon na call me later for that. I waited for 1 month, noone called me, So I called the human recourse manager and thier head quater office about the issue, they told me that they have no information about it, therefore I thought they forgive me and not pursuing collecting the XXXX grands anymore. Approximately around XX/XX/XXXX a human resource manager from XXXX XXXX in XXXX  called me and asked me to pay of the debt within 30 days and asked me if I receive any letter from them, I said No, I didnt receive and I moved to XXXX XXXX, XXXX  for new employer I was shocked because I wasnt prepare for it, how could I come up XXXX  grands within a month, so I negotiated with her that if I could make monthly payments ; she said ok and transfer my case through a debt collection agency. She didn tell me if I go through this debt collection agency then it would hurt my credit score ; And i have been trying to reach out to her to ask her for the debt collection agency so I could start making payments but she seem like postponing and procrastinate, and seem like she didnt care about my credit score. Three months later after May she finally give me the phone number for debt collection agency and I started making payment at the end of each month since XX/XX/XXXX, I set up automatic payment so they can just take money out from my checking account. I have been making payments on time. But the true problem is they reported faulsely that i was late because they sent a letter to my house in XXXX, I didnt receive it and I have been reaching out to them right after I qut the job, they caught me off guard and unexpectedly out of no where and demanded for XXXX. Also on XX/XX/XXXX they should have taken money out feon my bank at the end of the month but it came out on the XXXX  of XXXX   instead, I called the agency and told me that it would take server days for it to be processed, but when I called XXXX and XXXX, they said these things would hurt my credit score badly, I have never missed any payments in my entire life and now this XXXX XXXX and Merchant medical Devt collection agency hurt my credit score badly. Please help me take off this bad name debt collection off from the 3 major credit bereaus. Thank you. The following are thier phone numbers : 1 ) XXXX XXXX, the human resourse manager named XXXX  ( XXXX  ) XXXX 2 ) Meechant Medical Debt Collection Agency phone number ( XXXX  ) XXXX