This collection agency " Pro Collect '' has placed debt collection information on my XXXX and XXXX credit which has lowered my score. I have called them numerous times and they have sent me a XXXX page, very heavily coded, letter which tells me absolutely nothing about this alleged debt. They placed this debt collection info on my credit reports BEFORE they even contacted me to collect the debt. I have told them NUMEROUS times, if they can show me where I actually owe this {$75.00}, I will be very happy to pay it. But they never bothered to show me. This is just not right. My credit has always been almost XXXX and it 's now XXXX. I want them to prove to me that I owe this debt or take my name off their list and clear up my credit score. These are very difficult people to work with here.