Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in hopes of resolving a very serious matter concerning my credit report and two suspected scam companies. Specifically, removing the two invalid, derogatory accounts on my credit report. XXXX and XXXX  have already removed the two accounts in question. Thank you in advance for your time. On Saturday, XX/XX/XXXX, my fianc and I visited our Bank ( XXXX XXXX  in XXXX, IL ) to apply for a Personal Line of Credit loan to help with our large wedding expenses and our loan was declined due to issues with my credit report. Knowing my credit score and credit history, I was taken aback by the news and pulled up my XXXX XXXX account offered through my XXXX XXXX account. This is when I noticed the ( 2 ) delinquent collections charges from Medical Business Bureau ( MBB ) on behalf of XXXX XXXX XXXX. One charge for {$2000.00} and one for {$2000.00}, for a total of {$4000.00} of debt. 

Upon discovering these charges, and having zero recollection of either company or collections efforts, I called the number listed under the MBB inquiry on my credit report ( XXXX ) on Monday, XX/XX/XXXX around XXXX CST. A woman answered the phone and asked the purpose of my call, to which I responded that I needed to dispute a charge on my credit report. The woman proceeded to tell me that the situation should be handled by another department of her company and that I needed to call that department to discuss with the matter. She gave me the number XXXX to call. When I asked her what their business hours were, she told me to call tomorrow and that they work from XXXX XXXX. I decided to call right there and then after I got off the phone with the woman. A man picked up the phone at XXXX ( outside of their business hours per the woman ). I told him what I was looking to discuss and he immediately pulled up my account and confirmed my name. The man then proceeded to confirm my date of birth and last four digits of my social security number. I refused and he told me he could not divulge any billing information without confirming. Frustrated, I confirmed with this man and demanded an explanation for the charges on my credit report. He claimed that the two charges were on behalf of XXXX XXXX XXXX, for my service on XX/XX/XXXX ( the date of my XXXX  XXXX ). I told him these charges were invalid, as my XXXX  was covered by my insurance provided, XXXX XXXX XXXX XXXX ( XXXX ). I asked for him to send me a bill of what it was that I supposedly owed. The man said they sent multiple bills, which I told him they did not. He claims they sent them to my parents address, where I resided until XX/XX/XXXX. I told him I had moved from that residence and never received any such bills. The man proceeded to tell me that they sent the bills and that I am responsible to pay them. I told him to send me a new bill to my address, and the man told me he could not send me a bill because the bill was from XX/XX/XXXX. I told him I would not pay a thing until he proves what I owe. He told me my only two options would be to write MBB a letter requesting the bill ( which contradicts his initial claim ) or to contact my hospital for a copy of my medical records. At some point during my questioning of these bills, the man told me that MBB had charged me for a separate instance on XX/XX/XXXX for {$85.00}, of which I paid by credit card on XX/XX/XXXX. I told him I had no recollection of that charge either. Later, after getting off the phone, I checked my credit card statements for a charge on/around the XX/XX/XXXX date ; there was no such payment made to any collections agency. Also, at least twice during our 13-minute phone conversation, this man suggested I pay off my balance over the phone at an attempt to collect the {$4000.00} debt. In retrospect, this seemed like a desperate opportunity to attempt to collect the invalid money while I was on the phone. 

After the frustrating phone call experience and not being convinced of the charges legitimacy, I decided to research further into both Medical Business Bureau and XXXX XXXX XXXX What I found was disturbing, concerning, and gratifying to know that I was not the only person experiencing these issues with the same company. I have a full document ( containing all of this text ) of images, links, and other references to this dispute in my attachment.