This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. 
My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. 
I never received any notice or communication from this debt collector prior to contacting them. 
Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way. 
