I recently noticed on my XXXX report that XXXX XXXX XXXX has us in " collections ''. " XXXX '' from XXXX XXXX did call me XXXX/XXXX/2015, I did not receive a letter, no verification, thought it was a scam. He did have some personal information but not exact. He was " fishing '' for info. It was apparent he pulled my credit if thats possible. He was not professional, did not verify any personal information before proceeding and then threatened to take legal action if i did n't agree to pay. I called back the number to see who would answer, it was him. I did explain personal and business issues since recession, the effect it has had on our credit, our home in foreclosure, working towards modification, i did make an offer to resolve the debt but did want debt verified, his company verified, he threatened legal action. He was indignant, WOULD NOT put in my offer, again threatened legal action. He never sent verification letter after he said he would and now i see it in collections? We lost entire YEARS of income since the recession, damages and continued loss of income with NO credit available. More bills than income. House in foreclosure. How can he threaten court without verifying debt and verifying who he called. He never read rights. One year earlier i was negotiating with XXXX XXXX, that company said they would return it to XXXX and XXXX would get back to me. We continue to struggle to get our income and home back on track.