I was never contacted about my debt. I had to find out about it after trying to get a mortgage and then : My account at the debt collection company was paid in full XX/XX/XXXX, yet every month it is being reported as a {$0.00} balance. Upon speaking with a credit bureau representative I 've understood that this is incorrect and is negatively affecting my credit score and ability to receive a lower interest rate on a mortgage. 

The credit bureau shows that the account was opened XX/XX/XXXX, but due to the fact that the collection agency is reporting a {$0.00} balance every month, my credit report at the Mortgage company shows the {$0.00} balance reported last month, XX/XX/XXXX.