When dealing with any CRA or collector concerning your personal financial business, backup what was said and agreed to with a certified letter or Western Union telegram. It may seem like a lot of effort, but If you have to fight them legally later, you have a paper trail of your efforts. --Always get the individual's name you talk to over the phone. I had an error reappear that I know was not verified because I contacted the place myself. It had gone out of business and their business phone was disconnected (furniture store).