After I refused to pay twice for an item that the company actually owed me a refund for overpayment, they turned me over to a collection agency and to the credit bureau. After explaining my situation to both the collection agency and the credit bureau, the collection agency wrote me a letter informing me that I had provided an adequate explanation with the proper documentation and that they were satisfied and closed my case. The credit bureau sent me a letter informing me that they had removed the issue from my credit report.