Thank you EVERYONE!!! The first thing I did when I got home last night was run for the fax LOL. The guy that signed it has a signature of a 3 year old. I'm not sure if it's a REAL UDF though. Here's what it says: THe letterhead is the CA 3/5/02 TU Consumer Relations RE: National Auto VS MR KHM address SSN# xxx-xx-xxxx Dear Consumer Relations, Please delte the above from your files. If you have any questions please call. Reason for deleting: NOT OWING. account number(s) to delete: xxxxxx Thank you, Extreme CA dickhead then hand written it says: Original mailed to : trans Union Equifax and CBC. Now it is NOT on EXP YET, but it showed up on TU and EQU and I have disputed both with the CRA's. WHat if this comes back verified by either CRA? I would obviously have a case right?