I had a hospital visit two years ago for XXXX. My insurance and my parents covered all the medical expenses. About a year ago, out of nowhere, a debt collection agency ( ARS Account Resolution Services ) started contacting me for a supposed debt of {$640.00}. They however, refused to provide me with any verified documents, itemized bills or any documentation from the hospital or doctors at all. They have been harassing me with phone calls and threatening to ruin my credit ( Which they have already done and I am in the process of fighting ). I have contacted my insurance and they have assured me that they paid their portion fully. I have contacted the hospital, and they can not verify this agencies claims. I would like this matter resolved and would like the harassment and threats to stop.