Acct was collected on by zenith acquisitions through a buisness relationship between total card & zenith. It was offered that if i paid the debt in full as opposed to settling the debt i could have the plains commerce bank / total card tradeline removed from my credit report. I took advantage of this offer however the account is still reporting on my credit bureau reports as a paid charge off. When i contacted total card i was told that credit reporting was handled by their security department. The rep i spoke with passed the buck saying that i needed to take it up with zenith however they are the company reporting it. I asked to speak with a supervisor who i had asked to investigate the tradelines and they told me they are not responsible for what their collectors offered. I told them if they would not show me documentation to support the tradeline that i would sue them per the fcra for an order to have them do so. The supervisor then threatened me saying that i would then be forced to pay their legal bills. All this over a credit card that was paid in full and had never been used in the first place. Furthermore there are so many accounts on my credit report i am not even sure that this one was authorized as i had declined to prosecute a relative my mother had allowed to live with us several years ago. As i did not want to prosecute a relative i paid all bills he racked up in my name and now this company refuses to stand behind collectors hired to collect their debts.
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