I contacted both Equifax and UCNB to investigate. What I don't get: Equifax verified that it was a valid debt within the 30 days allowed by the FCRA, but It's been over 30 days and UCNB has not contacted me. UCNB couldn't pull up the file when I gave them my SSN the first time, so something is definitely fishy in South Dakota... Where is Equifax getting their info? And if Equifax verified that it's valid thru the creditor and can get back to me within the 30 days allowed, why is it taking UCNB so friggin' long to get back to me?! Are they trying to find something to put in my file? Isn't that illegal? Sorry, but I had to vent a little. I thought about using Junum, but I might as well learn how to do it, just in case something like this happens again.