I called the agency today. It turns out it's from a dentist I saw in 1995 just before I left my employer for my new job. The person I got on the phone from the agency asked my new address and phone number but I wouldn't give it to them. The collection agency wouldn't give me the dentist's contact information but I was able to find it on the ADA website. I called the dentist's office and they confirmed the balance. The company I used to work for has merged a couple of times since 1995 and I didn't feel like trying to get my old insurance to pay up. I offered to pay the amount due by credit card over the phone if they would ask the agency to remove the entry in Equifax but they said I had to deal with the CA. I called the CA back and made the same offer. The person who answered told me they couldn't remove the item and wanted my address and phone number. I offered to pay one last time and hung up when they refused to delete. I looked up the company on the San Diego BBB's website (good suggestion, Bill) and it looked like this agency is pretty clean. (The other agency from San Diego that has four duplicate entries in my Experian file is a mess with the BBB -- I added my own complaint about them while I was looking atound the site.) So I got the name of their president (also from the BBB website) and fired off a letter (using the online USPS certified mail -- I'll let you all know how it works out) saying they had three options: 1. Collect the money and delete the entry 2. Collect no money and the entry will delete after the 7 year period ends next year 3. Sue me -- spend money to do so and collect no money when I show up to argue the SOL has expired I'll let you all know when I hear back from them. The online USPS certified mail thing was easy and cool.