Anyway, they responded with "We are under no obligation to answer your questionaire." They then went on to say they sent me a notice on 5/18/98 (I never received one) and that I did not dispute. They said they sent a second notice on 6/19/98 ( I never received one) and again they say I did not respond. They say I disputed this on 3/6/00 and that they verified the debt (again, I have no clue as to what they are talking about), they say on 6/6 I requested an itemized bill (NOT) Then they say I supposedly received $95.20 for this but the bill they sent me says no insurance was filed... Finally, the note 2 TU disputes and state they verified. How do I proceed?? I have no idea what this is for..while my name is on the bill (misspelled), I have no recollection of this service, nor any contacts. They obviously contradicted themselves when they state that I received money but say no insurance has been filed....help... Thanks!