Torres Credit Services deserves to be shut down by the Federal Trade Commission for wrongly extorting consumers into paying debts they do not owe, and for extorting consumers that owed a debt when they were a minor(under 18 years of age.). They wrongly slapped $47 on my credit report which lowered my FICO score from 754 to 664, basically ruining my credit. I spoke with a representative named Barb who was the absolute most rude and unprofessional person I have ever spoke with on the phone. She tried to demand the money from me and she accused me of more-less running away from the debt that I supposedly owed. I never paid, instead I contacted all 3 major credit bureaus and you need to do the same. Torres Credit Services doesn't list their phone # on the collection and credit bureaus are automatically obligated to remove any and all traces of the collection from your credit profile(s), whether you rightfully owe the debt or not, since credit bureaus do not have a way to contact the collection agency. Search on the internet about Torres Credit Services and you will find multiple complaints regarding the company. If you have a bad experience with them too, file a complaint with the Federal Trade Commission and with the Washington BBB office.