I informed XXXX 1 month before I swiched auto insurance companies that I was looking for better priced Insurance. I found insurance for half of what they were charging me with XXXX XXXX PA. and replased XXXX with XXXX. XXXX now is reporting to XXXX that I owe them over XXXX dollars and this is in collection and is refusing o remove this from my credit report. 

In the state of Pennsylvania all insurance must be paid for prior to service, How can owe them anything? 
Car insurance is paid 1 month in advance also and I did not get any money returned for that or my home owners insurance. 

This is labeled collection Service # XXXX exact amount XXXX.dollarslus you can lose your right to dive if you do not have insurance these people did this also and I was pulled over and checked for insurance by XXXX Police.