"Dear Ms. XXXX Collection responsiblility for the above account was previously assigned to Equifax Risk Management Services. Effective 10/18/00, collection responsiblity for this account has been transferred to Risk Management Alternatives, Inc (RMA). Equifax Credit Information Services Credit Reporting Divistion has notified us that an inquiry has been made on your credit report. If you have applied for credit or employment that would require a credit investigation now is the time to improve your credit report. Please contact us so that we may assist you in clearing the balance owed." Can Equifax do this??? And then can the collection agency start to bother me again? Thanks for the help!