XXXX XXXX is claiming {$130.00} owed for auto insurance on a policy that was cancelled and paid, with a XXXX balance. XXXX XXXX was dropped by me due to my finding a more suitable insurance carrier. I personally cancelled the homeowners and bundled auto insurance. XXXX XXXX charged me {$1200.00} for home owners insurance and XXXX monthly for automobile. When I switched insurance carriers, my premium was now {$510.00} for homeowners and {$60.00} monthly for automobile. Significantly lowering my bills. Which by the way, I repeatedly requested XXXX XXXX contact me directly and explain why my premium was so high. XXXX XXXX failed to contact me for over 4 months, thus resulting in me seeking a more suitable insurance carrier. Additionally my escrow was significantly lowered as a result. I can prove and have sent in my payment history to XXXX XXXX, yet in retaliation of being cancelled, XXXX XXXX sends this {$130.00} to collections in an attempt to ruin my credit. 
