My question involves collection proceedings in the State of: CO
A small company with whom I did business sent me a final account statement stating that I owed nothing. The next day they altered that statement by hand to say that I owed several hundred dollars, and sent this altered copy directly to a collections agency.
When I ask the collections agency to validate the debt, they sent me copies of my original contract with the other company, and copies of the altered bill. This proves nothing, but they won't send me anything else, and aren't convinced when I show them the original account statement. They have now reported this "debt" to the credit bureaus.
I disputed the item with the credit bureaus, and included a copy of the original account statement, but they validate the debt anyway.
I'm told that small claims court cannot force someone to remove something from a credit report. Do I have any options to resolve this other than costly litigation?