Debts not in your credit report.

by Nita
(Michigan)

Hi. I have been receiving phone calls from a collection agency about two bills that are from the same year around the same time- but I have no memory of them and they are not listed in my credit report. When I questioned the woman on the phone, she said that bill collectors aren't required to put these bills on your credit report, and informed me that the collection agency would be putting the bills on my credit report. I wanted to know how they could have bills that I owe that aren't on my credit report, and why haven't they been reported before now?

They are six years old, and this is the first time I've gotten any contact from them regarding this bill.