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Their investigation did not fix an error on your report. On XX/XX/year>, I received a special notification email from Westlake Portfolio Management offering to settle my account balance with a one-time payment of {$1400.00}, after which the account would be considered settled. The following day, XX/XX/year>, I contacted the company to accept the offer. During the discussion, I negotiated to settle the account for {$1000.00}, as that was all I could afford to pay at the time. I understood that by making this payment, my account would be marked as settled with a {$0.00} balance. However, instead of updating the account to reflect a settled status and {$0.00} balance, Westlake Portfolio Management deducted the {$1000.00} from the original balance, leaving the remaining amount as due. This i