My husband and I were denied a mortgage because of credit history problems. This was a shock to us. We found out that a debt collection agency kept abusing my credit history each month without my knowledge. It turned out that when we moved XXXX miles away- there was a medical Bill that was unpaid. I have always been on top of my things ( paying bills, changing addresses etc ). USPS had a forwarding address on file. Somehow the debt collection agency claims that they received returned mail. 

My understanding is that they did not bother to do anything at all to try and contact me. They have no proof that they could provide. In todays world it is not hard to track someone down who live openly online. Why did I not get bills forwarded from the doctors office, or from the collection agency or even phone calls or anything at all for 6 months? 

I had to contact the collection firm to pay the bill! I feel cheated and I know that nobody can help me.