The collection company, financial recoveries, claims that they sent me the verification letter after they talked to me, but the fact is that 1 ) I did not remembered that they ever contacted me and 2 ) I never received the verification letter. I do n't know this debt until the landlord told me I have a collection record in my credit report. 

The reason I did not receive is might be they send to my old address. It 's their mistake in their job that fails to verify my information before they sending out the document. The key thing is that they put this information into my credit report without sending me the verification letter, nor notifying me that this debt has not been paid by the insurance yet. 
