XXXX sent me a letter stating I owed over {$320.00} for a debt through PayPal Smart Connect, a credit line through PayPal that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from PayPal Smart Connect stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and PayPal Smart Connect because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.