Experian, XXXX and XXXX will post a a collection Agency 's 'collection ' on a consumers credit report without validating whether or not the Debt is valid. an assumption is made the Consumer is guilty and getting invalid debt collections off a report takes repeated efforts. Also, All XXXX credit reporting agencies, will allow a collection record that has been sold to another debt collection company to remain on the record even after dispute they generally will not remove the old record so the report contains XXXX records of the same debt allowing the scoring to be even more impacted. Our legal system maintains innocence until proven guilty given the priority given to credit scores and reports the above need to be fixed. Collection agencies have their place, however due diligence should be completed prior to any account showing up on a credit report. XXXX items just showed up on my credit report From XXXX XXXX and associates with XXXX different amounts that do not even look familiar to me. 
Legislation should be changed to give the presumed debtor the 30 day window to either validate or pay the debt prior to it hitting someones report. Assumptions are being made that the consumer was given that opportunity to question the debt and in many cases this is not correct. XXXX XXXX is notorious for placing things into collections 10 days after the XXXX was due and the entry is immediately placed on the the report has been hit and and mail arrives from the collection agency after the bill was paid.