My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of Stellar Recovery, inc. attempt to collect a debt. This alone violated my rights. 

Stellar Recovery, inc. contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights. 

Furthermore ; The agent for this collection group XXXX XXXX XXXX XXXX stated they attempted to call me but the original vendor had given them the wrong telephone number for me. 
