Apr 19, 2015
File a complaint through all of the credit bureaus. They will be required to show you what they are trying to collect.
Check your payments have ALL PROCESSED. One may have been misapplied to a wrong account or had a problem processing. I talk to people ALL of the time who swear they've paid, only to find that the payment they mailed got lost, the bank didn't process it because of some small error, whatever.
You NEED to check that ALL of the PAYMENTS YOU'VE made have FULLY PROCESSED.
It may well be an error that can easily be fixed.
If it's YOUR error, you will have to tolerate the negative impact on your credit report. If it's the company's error, THEY will need to report the error to the credit bureau and repair your credit record.
By the way, it is legal for them to call you any day of the week, including holidays and Sundays, from 8am to 9pm in your time zone.
Easiest remedy is to check your payment records.