I never received a notice that I owed any debt. Checked my credit reports and found negative accounts. Sent out debt verification letters and cease and desist stating only to communicate by mail. They called me on XXXX/XXXX/2015 after receiving my letter sent out on XXXX/XXXX/2015 and I never received any letter or coerrespondance at all about the verification of debts. They have not removed the negative marks from my credit reports.