But..I have this letter from the collection agency faxed to me saying to remove it ... it is not mine.. Please give me your advice...since I have the letter..an underwriter will not concern themselves with it, I'm sure, if they pull a second one. I can dispute it with the 3 credit bureaus and I'm sure it will come off as I have the letter from the collection agency saying remove it. But, last...what if it conflicts with junum and ongoing disputes? Would you just hang on to the letter and wait for results from junum's last disputes. Mind you, they (junum disputes) went out today.. I'm now on "pause" with junum....I'll post on that in a different post..kinda interesting. Shouldn't this credit bureau remove the entry on their own?