Paying for unknown account

I was in need of a credit record. When I called different credit bureau was told that I do not have any Homechoice account. Homechoice made me spin for months with no result. Till today Im paynign an account that is not having a credit record. The handled my account to so colled collection....as I decided to stop payment for a month so that a negative credit record can at least be availabe, all I wanted is a credit record good or bad... All this in vain as credit bureau cant see any account on my profil. Homechoice keep on promising to sort this out but NOTHING till this moment.