If you owe the money, then pay it. You knew what the fees would be when you listed your item for sale. If you sold it successfully, then eBay completed their part of the deal and they deserve to be paid.
As an FYI, don't think that just because you never gave them your SSN that this cannot end up on your credit report. You do NOT need an SSN to report to the bureaus. And if ICS wants to attach your SSN to their file, it can be easily and legally obtained by them for under 10 cents.
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