Asset Recovery Inc

Be very careful how you talk to the woman who calls you about a past due account. She is extremely touchy and nasty. She reported me to the credit bureau for an outstanding bill of $20.00 which payment had crossed in the mail. She threatened to do this and asked how I would like having something like this on my credit report. How can someone be allowed to do something like this that is unfair and incorrect. Attempts to have this corrected have been unsuccessful. All I can say is WATCH YOUR BACK!!!