When she first showed it to me, I told her not to worry about it because I could help her write a dispute letter, and that there was no way in hell they could verify a debt from an unknown creditor. Naturally, we initiated the dispute. Strangely, my neighbor received a letter from Equifax claiming that they had VERIFIED the debt. She called them to find out who they could have called to verify it. They had no idea because the creditor is listed as "unknown". Still, they held firm that they verifyed it. What now? GEEZ!