Collection showed up on my credit report today!! Advice needed, please help!
Out of the blue today I get a email form my USAA credit monitoring service that there was a change on my credit report that I needed to look into. I was upset to see that a collection from a place called Enhanced Recovery has reported that I have a past due bill with ATT!! WTH!! I have tv, internet and cell service with ATT and I am in perfect standing with them. I called ATT and they have no idea why a collection agency is saying that I owe them money and they have no record of any past due balances of any kind. I have disputed the charge already earlier today with the Experian online dispute center. I have received no past due bills of any kind in the mail, ever, and I have never been notified in any way, shape or form that I owe any past due amounts. The collection has had a huge impact on my credit report and it says this collection will stay on my report until 2015! There was a phone number and address fpr Enhanced Recovery. Do I call them or write them a letter? I have racked my brain if there could be something from my past that I could have inadvertently not paid but from 2002-2008 I lived out of the country in the UK and prior to that I didn't even use ATT! How do I get this off my report? Thanks in advance, I have been using these boards religiously to get my scores up and now this!! By the way, I live in Texas and this Enhanced Recovery says they are in Florida!