Thank God that I found and read this forum. I have already sent a registered dispute and validation letter to the CA and a dispute letter to the Dr Office demanding that they refund my money. Then I disputed with the CRA online who responded within hours that the debt was valid. Well, it's been over 45 days. My credit report still has a collection account past due and Iâ??ve received nothing from the CA, but the Dr Office did send me my un-cashed check and a copy of a letter sent to the CA telling them that it would be appreciated if the CA would correct the problem because they "had posted in error". No apologies though, which really makes me mad. They say the fault lies with their billing company. Hereâ??s some history. I discovered that the Dr office outsources billing to a company that had cashed my check nine months earlier for a visit 18 months earlier, but they had failed to notify the Dr office, and both failed to try and contact me directly via telephone. The CA had called me on a Thursday and posted a negative report to the CRA (EX) on the next day, Friday. I know because I monitor my credit using a service and received an alert. Also, when the CA called me initially I had told the CA that this was the first time that anyone has contacted me regarding this problem and she told me that I was lying because they had sent out a letter 30 days ago. I told her that I have a mailbox at the end of the driveway, and asked what reason the Post Office provided about delivery failure. She told me that it had been returned by the post office as undeliverable due to a non-existent address. Then I asked her to confirm my address and the CA had my name and address wrong, which they had received from the billing company. Wow, what idiots, my name and address are in the public phone book and the internet. Later that day I dug through my billing archives in storage and discovered documentation from the time of the original bill that I paid. I had written down at that time that the bill was stamped "overdue", and that the billing company had my address wrong, but the Post Office did get it to me after six weeks from the time of mailing. Additionally, I had written down that I had called the billing company to correct my address with them, the date and time and who I spoke with and that I told them that I was mailing payment the same day. I later discovered that the billing company had cashed my check nine days later. The Dr Office forced me provide a copy of my cashed check as proof, which cost me ten dollars, before they would call their billing company, who then admitted an error only after I threatened to open a fraud investigation through my bank. (I have since discovered that they are dumping their billing company due to errors per one of the receptionists) Today I paid $10.95 to Experian to get a copy of my credit report and the negative entry is still there. I again disputed this online. Then I called the Dr Office and they said the thereâ??s nothing that they can do because they have already told the CA to fix the problem, but that they would call later this week and ask again. The CA hasnâ??t responded to my dispute and validation request. I have my "green cards" from all my sent post mail. I have been woefully naÃ¯ve about this process and having excellent credit this is something that Iâ??ve never experienced before. This is getting time consuming and I could use some advice to get this negative entry removed from my credit report. So, what do I do next? I would like to try and handle this myself to save on legal fees, but I don't want this to drag on either because I'm interviewing and don't need a credit blemish to affect the outcome of a proposal. BTW-this forum has been a great resource. UPDATE, 20080707: I just received an investigation result from Experian and the status has been verified and updated after only a couple of hours. How can it be verified if the debt doesn't exist?