Barbara, if you browse this forum and do some research on net, you will find lots of complaints have been posted against their unfair practices. They are not holding a good record. I have read in this forum that members are guessing they are none but the famous Ellis Crosby people back again.
If you ever speak to them, ask for validation. This is must. Don't take any crap from them like we need not validate or we will give you paper work after payment is made and stuff like that. Also check your credit report just to verify if you have any unpaid balance that could be sent for collection. However, I have never heard that Interstate Wire Compliance Bureaus reported account to CRA.