I have a similar story to Alie Chan's. I received ...

I have a similar story to Alie Chan's. I received a collections notice from CTL, with the options of calling to make a payment. When you call, you're only given the option of leaving a voicemail for Leslie. She never returned any voicemails. I've since found this collections item on my credit report, and again attempted to contact CTL's collections department. I left 5 voicemails, and this time I did get a call back. Leslie called me back this time, refusing to accept or admit that she had never before returned my voicemails. Leslie went further to then raise her voice to a near shout, informing me that she would no longer communicate with me over the phone. When I asked how I should contact her, she repeated that it couldn't be over the phone, then hung up on me.

I've initiated a dispute with the crediting agencies.