Anyone have knowledge of a "Emerald Finance Co" of Mesa, AZ. They were on my list of disputes with the CRAs and they replied to me with notice that I still owe them for financing an Auto Insurance Policy. The auto was sold several years ago and I canceled the insurance at the time of sale. Yet they contend that they served as the finance company for the auto insurance policy. I received 2 letters from them about 6 to 7 days apart. Both letters contain the name of the Ins. company, same account number, yet 2 different amounts. First letter state I owe $160 and ltr #2 state I owe $480. Two of the credit bureaus are reporting the item. One CRA has it listed as $161 and the other has it as $100. Any advice? tctv@mail.com