Signed up with a billing company to pay for a gym membership. The original company has been paid in full and has given me ample documentation to support that my account is closed and completely satisfied. 
A few months before I fulfilled that contract, however, another billing company which I had never heard of contacted me separately and told me they would be billing me for the same contract, but a much higher amount. They insisted that the original billing company had assigned the account to them but would not provide any documentation to the fact. They proceeded to autodebit my account, which was made possible because the gym gave them my billing information before promptly going out of business, preventing me from contacting them. 
After fulfilling the original contract, I presented this information to my bank during their investigation of the wire fraud. The second company then responded by assigning the fabricated debt to a collection agency, which then reported the information to TransUnion and XXXX. 
Upon requests under the FCRA to the credit agency ( XXXX XXXX XXXX XXXX ) and Transunion both for validation of the debt, I was merely sent a copy of my original contract with the first company and told that it was valid. All parties plainly ignored the documentation I submitted to them from the contract company, including detailed payment records and a plain-text statement that the account has been completely satisfied. 
The gym which opened the account in my name has closed ( XXXX XXXX XXXX in XXXX, SC ). The billing company who attempted to autodebit my card ( XXXX ) has closed and re-opened under many names. In fact, a simple google search on their business leads to a wealth of information about their shady practices and willingness to verbally abuse their victims. 
TransUnion has elected to not exercise due diligence when investigating my account. This is evident in the fact they attempt to " verify '' the debt by referring to my contract with XXXX, in spite of my submitting plain-as-day letters and statements from XXXX stating that the account is completely satisfied. To make matters worse, they did n't even bother verifying the amount : The contract clearly states a total amount of {$1200.00}, but somehow this has turned into a debt of {$1400.00}! The fraudulent debt quite literally added an arbitrary amount to the debt without any explanation as to why, but this was also ignored. No party attempts to deny that the account in question is the same one that is already satisfied, demonstrating that this collection account is a shameless attempt to force me to pay twice. If a plain English statement from the creditor that this debt is invalid is not enough to invalidate the debt, what in the world is?