When the letter came back from experian, the dispute was validated, and now it was going to stay on the credit report until 2007. He called experian to complain about an extra three years being added on just for dusputing the account, and they said that the collection agency couldn't do that, and that they would dispute it again. Well the next letter came back from experian, and it still showed everything being validated. Again my husband called experian about it, and they told him that he should call the attorney general of our state and file a complaint about the collection agency. He called them, and was told that he had to call a different office, and the number turned out to be long distance, bye this point my husband didn't want to take this any farther. The person on the phone offered to let him talk to someone that "kinda of new something about this". They told him that there was nothing he could do about it, since the sol was 7 years from the original date of the deliquency, But they were concerned about the way the collection agency worded the letter. So, if he hadn't disputed the account, it would be coming off three years sooner. Sorry this is so long, but i've been wanting to ask this board about this for a while, as i've considered sending dispute letter's. Thanks for any unput. Myong Oh bye the way, experian did offer to put something on the credit report that stated: "this item was disputed by consumer" This account should purge off my report in 2004 as it appeared on my prior credit report.