They sent us to collections because they charged us for a home that wasn't ours. We never received a bill or anything. We are obviously going to fight this but we are in the transition of buying a home. It dropped my score and is hurting my chances. Apparently this was a bill from a home I "bought" in 2014. Pretty sure I would recognize an address of a home the I "bought". Unreal. I can see why there are so many complaints. One phone call to me would have been suffice and this could have been cleared a year ago. They aren't even considering a deletion letter for their mistake.