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

We leased a vehicle twice from XXXX XXXX  / XXXX XXXX XXXX XXXX. The first time they tried to charge us a {$400.00} disposition fee when we had made an agreement with the dealer to have the fee waived because we leased another vehicle at the same time we turned in the first vehicle. This is a normal practice until a vehicle is returned without purchasing it or leasing a new vehicle. Then we turned in our second vehicle three years later on XX/XX/XXXX. Approximately three weeks later we received a letter from XXXX XXXX XXXX asking us to turn in our vehicle that it was due back on the XXXX. I called and let them know that we turned it in on the XXXX. They said they would call the dealer.The first week of XX/XX/XXXX we received a call from XXXX XXXX again saying that we had not turned in the vehicle. I let them know that we did turn it in on time and I had paperwork to prove it. I faxed them a copy of the paperwork and let her know that if she was told that they didn't have it I would go to the dealer myself with a copy of my paperwork showing it was turned in. She did call me back and told me that they did have the vehicle but they never submitted the paperwork to them. Move forward Eight months to XX/XX/XXXX my husband receives a call telling him that we owe {$400.00} to XXXX XXXX. My husband is a long haul driver clear across the country. He calls me with a phone number to call them back. I call XXXX XXXX on XX/XX/XXXX. They REFUSED to speak with me about anything? Told me to call XXXX XXXX XXXX XXXX XXXX. I call them and find out they are a collection agency. I asked them why Hyundai wouldn't speak to me and he said that he couldn't answer that, he didn't know. I asked why didn't we get a bill from XXXX XXXX or a phone call. They had our phone number and our address. Constar told me that XXXX XXXX said they sent an invoice to my street address. I don't get mail at my street address that is why I have a PO box . I let the collection company know that XXXX XXXX sent me a bill all of the time to my PO Box why not the disposition fee invoice she said that it showed that they sent the invoice to the PO Box too, that the bill to the PO Box went to my Husbands name, and the Street address went to my name. I let them know that if that was true the bill would have been received and paid and we wouldn't be going through this. XXXX XXXX  never sent a bill. I made a payment on the spot and let them know I would be reporting XXXX XXXX for poor business practices. My husband and I work hard to keep our credit at a high level. I am not disputing that we owed the disposition fee. We just forgot about it and never received a bill for it, had we received a bill it would have been paid. The disposition fee is listed on the contract that we signed three years prior. I pulled our credit reports and XXXX XXXX has ruined our credit. Our credit report shows our payment history is excellent except for what XXXX XXXX has done too it. Our report even shows our payments were on time with them until after we returned our car.Our credit reports speak for themselves. I never got a bill even from the collection agency. They just told me what it was for over the phone so I paid it. I did receive a receipt from them if you want me to send you that just let me know.