RGS Financial, Inc. Debt Collection Complaint

RGS Financial, Inc. Debt collection department,

I do not know Disclosure verification of debt Right to dispute notice not received Missouri

RGS Financial of - - showed up on my - credit bureau on - -, 2016 for $120.00. This caused my credit score to drop by - points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by - County, - Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file.