Long issue condensed:1. Debt collector ( Enterprise Recovery Systems XXXX Inc. ) sends letter to me XXXX/XXXX/15 with 30 day deadline to respond. 
2. Response letter ( offer to settle account valid until XXXX/XXXX/15 ) from my attorney sent to ERS XXXX/XXXX/15 via fax and US mail. 
3. No response from ERS. 
4. ERS places file on my consumer credit reports XXXX around XXXX/XXXX/15. 
5. I call to follow up on why that happened, as my offer to settle on XXXX/XXXX/15 was never responded to. Spoke with XXXX XXXX XXXX/XXXX/15. Explained that I do not owe the debt, as it was discharged under XXXX subsequent to my unanswered offer to settle. Offered to send proof. XXXX was supposed to investigate and call me back. No response. I called several times and left messages on XXXX ' voice mail XXXX, XXXX and XXXX. No return calls. 
6. I file a complaint with Michigan Attorney General around XXXX/XXXX/15. 
7. Call from XXXX XXXX XXXX Ombudsman XXXX for ERS on XXXX/XXXX/15. Says she 's following up on my complaint. Offered to send proof of discharge. She gave me fax/phone number to do so. 
8. XXXX and XXXX faxed proof of discharge to ERS. 
9. Called XXXX XXXX, XXXX & XXXX to follow up on fax. Left messages on the XXXX and XXXX with no response. Finally spoke with XXXX on XXXX. Stated she did not receive any faxes from me. Asked for her email address to resend. 
10. Sent email with attachments showing proof of XXXX, XXXX & XXXX faxes in addition to XXXX letter. Requested from XXXX, but did not receive, receipt confirmation of email. 
11. Called XXXX XXXX/XXXX/15. She stated that she did receive my email and that she forwarded it to their client, XXXX Michigan University, for review. 
12. I asked her when she anticipated a response from XXXX. She stated she would follow up on Monday XXXX XXXX/XXXX/15 XXXX. Told her that I would call her on XXXX/XXXX/15 to ascertain XXXX 's response. 

Conclusion : In light of all the lies, deception, wanton neglect, I do not trust that ERS will or has followed through with anything they claimed they would. I have repeatedly called this business -- sometimes receiving busy signals, people picking up the phone then hanging up, denying receipt of faxes and mailed documents, etc. They are extremely unprofessional and inefficient. Meanwhile, THEY HAVE REPORTED THIS ACCOUNT TO THE CREDIT BUREAUS AND CAUSED MY CONSUMER CREDIT SCORE TO DROP BY XXXX POINTS!!! ERS sent me a letter dated XXXX/XXXX/15, where XXXX issued a weak apology for human error as to why the XXXX letter was never responded to. Nonetheless, as it stands, ERS ' negligence has caused me to lose out on business opportunities and I want this account to be removed from my credit ASAP! 

I can send CFPB proof of everything asserted in this complaint. I am frustrated and need intervention today. 

Thank you,