I applied for a loan from XXXX different banks and found out that there was a charge off to my credit from Enhanced Recovery Co. XXXX , XXXX in the amount of {$93.00}. They were the XXXX co. that was hired by XXXX to collect a balance of a bill that I do not owe. I applied to XXXX XXXX on XXXX/XXXX/XXXX, to XXXX XXXX XXXX on XXXX/XXXX/XXXX, and to XXXX XXXX XXXX XXXX/XXXX/XXXX. The first XXXX were unsecured loans, with a 7 % interest rate as long as I scored a XXXX or better. The latter was a HELOC with an interest rate of 4.5 %. My credit score came in at XXXX and all XXXX said this charge off hurt my score. XXXX went to 8.9 %, and XXXX XXXX went to 9.4 % from 7 % specifically because of that charge off. XXXX XXXX XXXX denied my loan all together, sighting too many inquiries, most recent account opening too short, amount owed on revolving accounts is too high ( I 'm building XXXX homes and I use my cards as much as I can to finance construction till I can take draws ), and the charge off from Enhanced Recovery Co. On XXXX/XXXX/XXXX I returned to XXXX all their equipment in person to one of their centers. I handed XXXX in XXXX XXXX, XXXX a hand written letter and I verbally told her I wanted my service terminated as of that very moment. She took my equipment, handed me a receipt, and said it was done. I was under NO contract obligation. On XXXX/XXXX/XXXX, I get a bill in the amount of {$450.00}. I call right away ( I have all the dates names and times ) and dispute the fact that my service was to have been shut off. On XXXX/XXXX/XXXX, I get bill in the amount of {$650.00}. I finally got to speak to XXXX on XXXX/XXXX/XXXX who understood what was happening. His reason for the XXXX was that I still was using my comcast.net e-mail account and that was why I was being billed. I have XXXX other XXXX accounts that are still active today and were at that same time. My email is linked to XXXX of those accounts. I went back to the XXXX/XXXX/XXXX bill with the amount being {$250.00}. XXXX bills for next months services the prior month. I made a work sheet based on their billing on what I used up to XXXX/XXXX/XXXX. I added for taxes and all the other fees and I came up with {$150.00}. I sent them a check, and the next month I got a bill from them for {$92.00}. I refuse to pay for services I did not receive, including rental for equipment that I had previously returned. XXXX sent this to XXXX prior collection agencies, I spoke to them on the phone, and I mailed them copies of all my documents. I thought this was over with, and in XXXX of XXXX, I get another collection letter from Enhanced Recovery Co. I copy the same documents and send them to them. Evidently they discarded my documents and decided to put this mark against me on my credit report. Let me mind you I am XXXX yrs old and I have never mad a late payment to any one in my life. I sent them an e-mail over a month ago and followed up with a phone call and was told to wait XXXX days. It 's been XXXX weeks and it is still there.