Do I now write the CRA's and ask them to verify it with the creditor somehow (if they can get an address)? Or, do I ask the CRA's to somehow get the CA to verify it with the creditor? This is over a $50 debt I never owed. The creditor has never reported anything to the CRA's. I have no way of getting in touch with the creditor because I don't have any contact info. This showed up on my report for the first time about three years after they say I paid the debt off to the CA.