I have not used XXXX XXXX XXXX in four years. All of my payments for this company are up to date. I have statements for all my payments and never received any calls or mail about missed payments. 

Then suddenly I am hit with a letter demanding {$150.00} from me saying I owe, I sent a detailed letter with attached statements asking them to prove the debt or remove it. I have not heard back but it is still on my credit report!