I 've just chosen the largest umbrella issue that I could find, but there are significantly larger issues. Since I 've submitted written inquiries on the web site ( with no replies ) and called multiple on the recorded line, there should be proof of what I 've received. The letter clearly states that I have 30 days for the dispute, yet I was nearly threatened by the rep that unless I pay the bill tomorrow by XXXX, this will stay on my report forever. During every single phone call I 've made, as soon as I 'd state my name, I 'd be transferred, transferred and then transferred again and this game would go for the minimum of XXXX minutes. After finally reaching the rep, I was told a large amount of information with little to none backing and when I requested it, I was told that it 's coming eventually, but that I have no choice and that even if I offer proof, it will not do anything unless I pay the next day until XXXX and otherwise it stays on my consumer record forever. Furthermore, after googling the firm and trying to find more information, I 've found multiple other occurrences with this firm and mistreatment and abuses especially since all the employes never disclose their full name for the recorded line. Some information can be found here : XXXX