Disputed One Public record item (Judgement) which I will not pay because the merchandise was not operable and the merchant would not refund or exchange: DELETED! Disputed Two Collection Items: One Deleted, One verified (Validation letter is on its way) These I did online, before joining Junum. I will let Junum handle the rest. One other validation letter I sent was for an old utility bill, I moved and never received the final bill, I had paid the last I received. It was dated 1996 and a new collection agency, American Agencies, reaged it on my report to 1/2001.