A collection agency called me XX/XX/XXXX for money on a XXXX account I had paid in full in person at XXXX XXXX office, {$310.00} on XX/XX/XXXX. The phone had been stolen in XX/XX/XXXX and altho it was insured, XXXX would not replace it. I had an old phone and used it for 6 months while continuing to pay XXXX monthly in full. I switched carriers after the XX/XX/XXXX payment, thinking I was done with XXXX but they continued to charge me. I did n't know this until XX/XX/XXXX** when a collection agency called telling me I still owed XXXX XXXX What was this for? I still have no bill showing any charges. I paid during that first and only phone call because I was away on vacation and not in a position to argue. My records show it was for {$100.00}. 
I wrote to XXXX 's " XXXX XXXX XXXX '' when I learned from several banks that this issue is affecting my mortgage refinance. 
I clicked " dispute '' to submit information on the TransUnion website and it shut down, telling me to apply by mail and submit copies of driver 's license, electric bill. This bad news is on XXXX credit reporting websites : XXXX, Transunion, XXXX, XXXX. On each of them it says " serious delinquency. '' This is costing me money. 
It is impossible to get through to anyone at either XXXX or Experian. Thank you for your consideration. 
**Reconstructed from bank statements, since XXXX never sent a bill or statement showing charges made and payments received. 
