Complaint Review: TOTAL CARD INC

ACCT # XXXX XXXX 1068 6225 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 FOR IDENTITY THEFT MY MOTHER HAD ALLOWED TO LIVE WITH US SEVERAL YEARS AGO. AS I DID NOT WANT TO PROSECUTE A RELATIVE MY MOTHER PAID ALL BILLS HE RACKED UP IN MY NAME AND NOW THIS COMPANY REFUSES TO STAND BEHIND COLLECTORS COLLECTING ON THEIR ACCOUNTS.