When I began to transact business with Western Sky Financial on XXXX XXXX, XXXX, I received {$5000.00}. To date, I have repaid {$6300.00} : The original {$5000.00} plus {$1300.00} extra. With no official notice to me, Western Sky went out of business in XXXX XXXX yet, I unknowingly continued to pay towards the loan and follow all the rules handed to me by XXXX and Delbert Services who acted as debt collectors and continued to harass and collect thousands of dollars for Western Sky. After discussing the loan with my tax preparer and embarking on my own investigating, I decided to stop paying Western Sky, XXXX, and Delbert Services until I got answers. In XXXX of XXXX, I learned Western Sky hired the XXXX XXXX XXXX XXXX XXXX XXXX. Nothing Attorney XXXX XXXX submitted to the Attorney General Office of Illinois around XXXX XXXX, XXXX sounded reasonable to me. Further, no one from the XXXX XXXX XXXX XXXX XXXX XXXX ever contacted me DIRECTLY, made XXXX phone call, left XXXX voice message instructing me to contact that LAW OFFICE, or delivered XXXX piece of mail instructing me to do the same. If any of this had occurred, I would have in turn, contacted an attorney and given that information to the attorney so that the attorneys could discuss the issues, not me. I was only instructed to contact XXXX XXXX, Customer Service Manager at XXXX and " work out a mutually agreeable settlement in this matter ''. These instructions were typed within Attorney XXXX 's response to the Illinois Attorney General Office. To me, this sounded like yet another invitation to speak with another customer service representative and be further kicked around again. I chose not to engage. 
For an entire year following, no one called or wrote me until XXXX when a male representative from XXXX began calling and left a message for me to contact his office to set up payment arrangements. Shortly after, in XXXX and XXXX XXXX, I received debt collection letters from XXXX informing me I now owed balances of {$12000.00} in XXXX XXXX, and {$12000.00} in XXXX XXXX : XXXX balances being well over and above the original amount of {$5000.00} borrowed. After checking my credit reports with XXXX in XXXX of XXXX, I discovered that XXXX followed through on their threats to report negatively on my credit reports therefore further damaging my chances to receive honest credit from honest lenders. Surprisingly, nothing was ever negatively reported regarding either Western Sky, XXXX, or Delbert Services in XXXX, or XXXX. I believe the only thing I ever saw was either XXXX or Delbert Services listed as a creditor on my reports but neither ever reported any dollar amounts or payment histories.Western Sky was never listed and they were the ones I got the money from. I also believe when I XXXX began to complain back in XXXX of XXXX, the only thing I did see on my credit report was a " closed '' account. I thought since the account was " closed '', nothing else could or would be reported. I will verify what happened with the credit bureaus on a normal working day for accuracy because today is a national holiday. I will later be attaching the results from the bureaus.