<prompt> Human: As a quick heads up I read through the collections wiki and am not sure if I still need to follow the steps.6 years ago I decided that I was interested in moving out of my parents house. I looked at various apartments and chose one that I could affordwas really sketchy, they ran my credit in which I did not have any at that point in time, and before signing the lease or moving I decided against it and told them I am not interested. Fast forward to a few weeks agoOctober 2017, received a notification email from credit karma stating that my score has dropped because of a recent collections that has been reported in October 2017. I looked at the details on credit karma and saw the Apartment Complex name from 6 years ago. Between 2011 and 2017 I have purchased a new car via an auto loanbought in 2014 credit union who did the loan said I had no credit and got an apartment yet have had zero issues on my credit reports. I have not received any letters or phone calls from the Collections AgencyNCAC Do I need to just dispute this with Transunion and Equifax via certified mail or do i need to also send a letter to the collections agency?  <response>: If this is the apartment complex you had applied through, and you know you didnt sign a lease of any sort, then Id just go ahead and dispute it. Chances are, if they are as sketchy as you thought they were, they either screwed up some of their own internal accounting or are just trying to screw you over. 