I went to XXXX of XXXX XXXX XXXX XXXX XXXX HillsCA XXXX phone # XXXX asked XXXX XXXX times on XXXX XXXX that how much It will cost me? I also told her that I have only XXXX XXXX, and she replied your payment will be XXXX '' If she would have told me the amount, or not covered by XXXX 100 % I would not have gone there. After some time I started receiving call to demanding money. I kept telling that XXXX told me that payment will be XXXX so I am not going to make any payment so Firm went to collection agency, XXXX. Collection agency stat writing threatening letters and wrote me that if I do not pay, it will be reported to credit bureaus. 
On XX/XX/XXXX when I received my credit report. In spite of writing all explanation XXXX collection agency ( and provided all documents ) reported to credit bureaus I think it is not ethical because collection agency should investigate XXXX. I thought collection agency would investigate to find out what is the truth. It is not fair to report to credit bureaus without conducting investigation. What kind of protection consumers have? Is it fair to consumer to suffer because provided wrong information or it is it by law that collection agency destroy any body 's reputation? Is it not responsibility of collection agency to report its finding? 

Is not consumer protection agency main function to protect consumer? 

Please help me