I incurred a debit medical with XXXX for XXXX of allegedly XXXX deductible upon this debit my insurance company cont to verify no monies were owedbased on date in question I sent certified letters emails and numerous phone calls to no avail. Meanwhile acct was sent to several collections based on this I filed a small claims actions in XXXX XXXX of MD XXXX XXXX where a trial was had Honourable Judge dismissed both claims including attorney counter claim on this date I was shown an invoice that I had never received. Based on that invoice even though court had dismissed I paid with Certified Check .bank shows where check was cashed.after cashing check collect cont even though I owe nothing receivables Management Systems cont and has inserted this debit ad being owed and accurate causing a severe drop in my credit score and refuse to remove