I moved out of XXXX XXXX XXXX 2014. Almost a year later I received a letter from a debt collection agency seeking {$5900.00}. I had no knowledge of my debt. Under the fair credit reporting act, XXXX should have made a goodwill effort to notify me of the debt before sending it to collections. They had my phone number and forwarding address, yet failed to communicate and give me a chance to pay any debt, as well as dispute inaccuracies. Because of this I have been denied XXXX apartments and it has severely affected my credit score. 
