This was not on my reports as recently as January 2001. I pulled my transunion a week ago, and it has been inserted! And the date on it is October of 2000, which if this is for what I think it is, the original date was May 1997! I have all of my original documentation on for validation request, including certified mail receipts...what is the most effective way to dispute this with Credit Bureaus? Wrong Dates? Failure to respond? One more thing-the insurance company has since been bought out several times over since I originally disputed this. I do not have any records of the dispute w/them-did it over the phone (Yes, another example of why to document). And I used to work at the hospital that this alleged debt is for-and I know that the records for this have probably been shipped off to medical records purgatory with little chance of coming back since it has been so long.