I am writing in regard to XXXX account XXXX for XXXX. XXXX was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, she subscribed at the lowest price point because her income is well below the poverty level ( just a little over {$XXXX} a year ). A XXXX telemarketer contacted XXXX and thanked her for being a long time subscriber and told her that she was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling her that she would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that XXXX could understand, which resulted in much higher prices, unauthorized charges and a requirement that she maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting an elderly person, who is hard of hearing, and gets confused over the details. All she understood is that she was being rewarded for being a good customer with free services. 
When she saw her next invoice, she saw that her subscription price more than XXXX which she did not expect, and could not afford. When we called XXXX about the unauthorized charges, they would not allow her to go back her original plan and told her that she was stuck at the new rate for 2 years. She then told XXXX that she wanted to cancel all services and was told that she would be charged for a verbal 2 year contract. She cancelled her service and returned the requirement equipment. XXXX predatory, and deceptive practices confused XXXX at her age. 
XXXX has since issued collection actions through Diversified Consultants ( Agency reference # XXXX ) in the amount of {$470.00} which hit her credit rating. We are requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore her credit rating to pre incident levels.