I technically owed the debt to a daycare provider ( XXXX XXXX ) until the provider in their negligence of unspervision, and lack of security cameras on the play area allowed another child to victimize my XXXX year old daughter by XXXX. My daughter was taken to the emergency room, the incident was sent to the XXXX hotline by the emergency room doctor, a police report was filed, and she was interviewed and examined again at XXXX XXXX. The daycare had the audacity to send the balance to the credit bureau for collections. The credit bureau made constant attempts through mail and constant phone calls. I informed the credit bureau over the phone as well as a formal written statement why the money was not owed to them for nullifying our contract by no longer providing a safe environment for my child. I also explained to them with enough detail what had happened to my child and in sheer principle of the matter the daycare bill will not be paid. I asked in every conversation to please stop contacting me, they would not receive payment and that a civil suit for negligence, accidental injury, and damages would be filed. They still continued to contact me through mail until I was served with court papers stating I was being sued for the balance.