i had to use XXXX that belongs to City XXXX 
they sent me a bill with a wrong information. 
i asked them to submit it to my health insurance and double check the bill. 
instead of submitting the claim to health insurance they submitted it to collection agency. 
collection agency never contacted me and just reported the illegal debt to my XXXX account and damaged by perfect credit score. 
i contacted people from debt collection agency and informed them that there was no debt. they informed me they would check everything and get back to me. after that they disappeared.