I received a collection on my credit report in the amount of {$1900.00} from XXXX XXXX XXXX. I was informed that it was a debt from XXXX XXXX XXXX, An institute located at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in which I attended and XXXX on XXXX/XXXX/2012. I could n't get any documents showing how I owed the money and I could n't see how it would be possible anyway because it was paid 100 % through XXXX or XXXX. My last term I received a {$9000.00} through XXXX but only needed {$3000.00} so {$3000.00} was taken and the other {$6000.00} was declined. My books and all were included, I received my diploma, and my transcript and now I have this Credit Recovery company with incompetent people who can give me any paperwork stating how I owe this, they 're just saying its a debt I have and it needs to be paid.