Disputes were filed with all three credit bureaus, outlining my issues. XXXX removed the Collections Account after verifying that the terms with the original creditor were invalid and illegal, however XXXX and Equifax merely validated that the original account was mine. I explained to XXXX and Equifax that the issue was n't that the account did n't belong to me, but that charges and contracts were added to the account that had not been agreed upon. Information is as follows : Original Creditor : XXXX XXXX added a contract onto my account after I explicitly told them I did n't want one. XXXX has record of this, but claims I agreed to a contract when I called to remove phone service. I told them that due to me only remaining in the area for a few months, I COULD NOT have a contract on my account since XXXX did n't service my new location. XXXX went into my account a month later and illegally added a contract to my account without ever notifying me. When I went to terminate my services there was no mention of a contract or early termination fees ; they even told me that I would be receiving a credit on my account! After receiving the final statement two weeks later, I found an early termination fee and a non-returned equipment fee. I called customer service and the representative told me that they would waive the fees, since a contract had never been agreed upon. ( This is all in my account notes and recorded phone calls that XXXX will not release to me. ) Two months later, I received a letter from the first collection agency due to the aforementioned and allegedly removed fees. XXXX had gone back into my account and re-added the fees, claiming the CSR who removed the fees did n't have authorization to do so. This debt has been passed to XXXX different collection agencies and successfully disputed each time. XXXX and Equifax refuse to look into these details outlining the illegality and illegitimacy of this account. Furthermore, XXXX is reporting this account as 90 days late, even though I NEVER had an agreement with XXXX XXXX, or any other collection agency. 

Disputes with these credit bureaus have gone nowhere, since the bureaus refuse to do anything more than validate ownership. I have never been late on any account, and have never missed any payments. I monitor my credit very closely, so it 's appalling to have this matter treated so lackadaisically.