Product: Debt collection

After a hailstorm, I filed a claim and learned that the policy I had purchased was not the same policy on file with XXXX XXXX. I grew suspicious and decided to switch my auto policy from the XXXX XXXX XXXX on XX/XX/2023 ( see exhibit XXXX ) over to XXXX XXXX ( exhibit XXXX ). Approximately 6 months later, I received a text from XXXX, a collection agency, claiming that I had a debt of {$110.00} still owed to XXXX. I told them thats virtually impossible because insurance premiums must be paid in advance and not billed in arrears. If I ever missed a payment, my policy coverage would be immediately terminated. Those were literally the exact words used by my agent ( exhibit XXXX ). Furthermore, I was set up on autopay to ensure that I would never miss making a payment. Once authorized, the schedule payments system ( autopay ) was completely in XXXX control. So, it was a complete shock to learn about the debt from a collection agency since I never even received an email or letter from XXXX about the {$110.00} debt. CCS offered a 50 % discount on the debt, and I immediately declined. He couldnt provide any documentation or explanation in support of the debt that he was trying to collect. 

About a year later, as I was exploring options for a home equity loan, XXXX XXXX Mortgage pulled my credit report and thats when I noticed that CCS had reported the false debt to all XXXX credit bureaus. When I disputed the debt by basically explaining how its virtually impossible to owe money to an insurance company because they do not bill in arrears, XXXX immediately deleted the collection from my report ( exhibit XXXX ). After multiple attempts with XXXX and XXXX, both credit bureaus refused to remove the debt. 

According to the report, my date of 1st delinquency was XX/XX/2023. If I was delinquent, then why would I still need to cancel my policy with the agent on XX/XX/2023? Furthermore, I had an autopay email notification showing my account was current as of XX/XX/2023 and the next payment of {$130.00} is scheduled for XX/XX/2023 ( exhibit XXXX ). I also have a bank statement showing a payment of {$130.00} was made to XXXX on XX/XX/2023 ( exhibit XXXX ), not to mention the fact that I was using autopay and XXXX was authorized to withdraw any amount owed directly from my account. I had absolutely no control over the ACH payment process.

I reached out to CCS and requested documentation concerning the debt and was told that it would be sent via USPS mail. After approximately 2 weeks when I didnt receive the requested documentation, I logged back on to the CCS website and learned that my account had been inexplicably closed ( exhibit XXXX ). According to my credit report, the original creditor was XXXX XXXX XXXX XXXX XXXX However, when I log onto CCS, its a different creditor and XXXX XXXX  XXXX was the name of the company shown. When I called CCS for clarification and requested information about the party that contracted them to collect the debt, I was provided with a phone number, XXXX, a policy reference number of XXXX, and have been unable to find or locate the party responsible for filing the fraudulent report. 

The debt collection was recently removed from my credit report without any explanation nor a single payment from me. Had I not requested a credit report for the home equity loan quote, I wouldve never known. I cant imagine its legal to willfully file a false report and whenever youve been discovered, you can simply remove it to avoid any penalty. Based on the agents own explanation of how the insurance business operates, its impossible for me to ever owe them money. If I dont pay first, they simply cancel my policy and will not provide coverage. So why would I need to pay for services or coverage that was not rendered? Based on his own words and following his own logic and rationale, its absolutely impossible for me to owe them money. Therefore, XXXX actions and false reporting were willful and retaliatory for my switching of insurers and raising doubts about my homeowners policy coverage. According to the XXXX XXXX XXXX, it was XXXX XXXX that filed the false report, and not their agency. Nevertheless, after the debt collection report had been on my credit report for over a year and a half, the creditor of the false report wants to remain anonymous, and CCS will not disclose the person or party responsible. Do I not have a right to confront my accuser?