I disputed an amount from a collections agency called Gold Key Credit Inc. and they did n't inform XXXX and XXXX, the credit bureaus that they report to. Every time I pull up things on my XXXX I see this derogatory amount from them on there. I know I have put 'threatened to take legal action ', but so far they have n't but I know that they will in the future. It 's just what collection agencies do, on top of that, they never answer the phone when I want to discuss my case with them. 
