1. Auto Repo from 1998, 1st was delinquent in 1997; the credit union never sent me a deficiency notice, collection notice, etc. my credit report however shows a profit & loss write off and charged off as bad debt for $9500 2. Verizon/Airtouch Wireless - I settled this account in 1997 - it showed pd on all 3 CB's over the years, and now it's popped up as open w/ a balance on a tri-merge CR 3. City of San Diego - I disputed this account since Mar 2002 w/ the OC and then direct w/ all 3 CB's. Transunion deleted it the others I'm not sure. I know it's still showing on Experian. 4. Bank of America - This account has floated from CA to CA. Was w/ CA Arrow Fin., I disputed, it was deleted, and then w/in 30 days Credit DATA SW said they (Arrow) verified it as mine. Now I received a letter from Asset Acceptance LLC dated 8/6/03 saying RE: Various Issuers/Bank of America is the new collector. This notice went to my address from 10 yrs ago (parents) so I just got the letter. How do I get rid of this once and for all? Any help step by step procedures would be great. THanks in advance!!!