I paid my last bill with XXXX XXXX on XXXX/XXXX/2013, and that paid for my internet services up until XXXX/XXXX/2013. About a week later ( the week of XXXX XXXX ) I called to cancel my services. The representative asked if I wanted a refund or use the services I paid for up until XXXX/XXXX/2013. I chose to use what I paid for. So at midnight on the night of XXXX/XXXX/2013, they were cancelled. A month later in XXXX, they sent me a full bill for internet with charges for a full month of services with them ( XXXX XXXX ) and a bill for XXXX XXXX. XXXX I had bundled with XXXX, but cancelled the XXXX services in XXXX 2013 and received a refund for the prorated amount. I called to let them know I had already cancelled both services, paid all that I owed, and even got a pro rated refund for the XXXX XXXX XXXX I had n't had since XXXX, but XXXX refused to clear the extra bill. They sent me to collections, I disputed it and it was taken off my credit report. Now that I 've applied for a mortgage and got a copy of my credit report, I see that they re filed the bill through XXXX different collections agencies at the beginning of this year, but I was never notified of this. Looking at the report, it looks like the XXXX company is called, " XXXX '' and the XXXX is called, " AFNI '' which I have never even heard of.