We just got one of those a several months ago connected to a hospital visit two years ago with my son. Small amount around $50. I called the physician's office (again a doc connected to the hospital) and they confirmed to me that I had indeed paid the bill. I didn't prob to find out why a collection agency had the claim. They called the collection agency for me. My husband got one from a gas bill at a rental property last year and a tenant who left an unpaid bill which the gas company reverted to us. Again a small amount. He went to the gas company and paid the bill and the gas company called the collection agency. My advice is to go to the original source and make sure you didn't pay it first of all, pay them and ask them to call the collection agency. That worked in both these instances for us. In both cases neither of those hit our credit report.