I paid the debt in full. I was never sent a letter in order to validate the debt prior of payment. I was forced to pay at the time in order for me to get my apartment rental contract or I would be stuck without a place to live. They are collecting on behalf of XXXX. I never received letters from the debt collector. My apartment manager told me " you have an unpaid collection and it must be paid in full prior to move in ''. I was not aware of any collections on my credit report. They are reporting on all three.