On XX/XX/2015 I submitted a FULLY VALID check ( convenience check with plenty of available balance ) to a grocer and it was sent to collections erroneously as a " returned check '' because they did n't process the check properly. The debt collector it was sent to lied to me, stating they sent me a notice XX/XX/2015 about this check being " returned ''. I never received that letter and they sent me a " copy of the letter '' ( dated XXXX XXXX when they sent it after I called, not XX/XX/2015 ), when I discovered the error on my credit report. The bank on which the check was drawn NEVER RECEIVED the check and thus could not have returned it. I have that letter in writing from that bank proving it was never received, thus not returned. Now my credit scores have plummeted, and is marked as a collection. Just today on XXXX XXXX it is saying the collections were removed, but my score is still disgustingly low, and it has marred my standing for anyone looking at my report all this time. It is showing I wrote a " bad check '' when I did no such thing! My scores were " Excellent '' and now " Poor '' due to something I did not do, and the involved bank gets off scott free.