Stellar Recovery Inc. Debt Collection Complaint

Stellar Recovery Inc. Debt collection department,

Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received California

I had an unpaid - bill of $76.00 from 2014 from an address that I had not lived at since then. Since I did not live there, I did not receive any mail about the collection of the debt. Unknowing to me, it was sold to a debt collector, " Stellar Recovery '', and although they claimed to have attempted to contact me, I did not learn of the debt until applying for a credit card. In the time Stellar owned the debt, they claimed to have called me but I never received any voicemails or no consistent phone calls from any - number. Once I contacted them, they never notified me of any right to dispute or any other option besides paying the debt in full. I did this but then was told by my banker that I should ask for a Pay to Delete option. When I called back I was told that they were not able to do this but after further research I learned that they could. The Paid in Full is still negatively affecting my credit report. I am a - - - who just - with little knowledge of the collections process and thought that Stellar Recovery 's handling of the situation was criminal in that I received no legal info about my options besides paying the debt in full.