In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, XXXX and XXXX. XXXX and XXXX contacted me and I provided my proof of payment. XXXX year later I was contacted by a legal firm, Gaba Law threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later Gaba has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

Gaba has also filed a credit default with the credit agencies which is false. 

As Gaba indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.