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Difficulty submitting a dispute or getting information about a dispute over the phone. About 5 yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to XXXX from XXXX ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. I had both a XXXX accout ( they sold the account to XXXX XXXXXXXX, who sold the account to XXXX Bank, ( account ending in. # XXXX, ) XXXX XXXX has the account listed as XXXX XXXX, but all payments are made to XXXX XXXX and are up to regular agreed upon amount. XXXX XXXX is also being paid for account ending XXXX listed as XXXX XXXX XXXX and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the XXXX and XXXX account together equaled