My account has been paid for months but they leave...

My account has been paid for months but they leave it on the credit report as an open account. They are scam artists and thieves not to mention cowards and the worst people to deal with. They twist the law to their advantage in order to cost you as much as possible and also use hepa as an excuse when they don't have an answer for what they are doing. When you get a bill from them go back to your original debtor and make payment arrangements with them, that way these modern day harassing individuals will not get paid. Also be aware, they are very fast at throwing your name into collections but extremely slow taking it out. On the phone they are extremely unprofessional and rude, expect to get treated like a criminal. So you know this is not just a disgruntled person posting over here I had two debts with them and both were errors in the debtor attempting to bill the wrong insurance company. I am willing to bet if you could obtain an honest attorney you would find most of what these people do is illegal.
Question: why do these people have the power to ruin someone's credit, hurt them financially with only hearsay evidence that anything is owed? Isn't that the same as guilty until proven innocent?