This collection is agency is attempting to collect a debt that is not valid nor is it owed. I have spoken to the original creditor ( XXXX ) and I was never notified of this debt nor have I received any correspondence in reference to it. I still have the XXXX account and the monthly balance due is not even equivalent to this so call debt.I have filed disputes with all XXXX credit bureaus and the collection account remains on my reports and is impacting my ability to obtain a mortgage. Neither XXXX nor the collection agency has provided me with any information regarding this account.