Short and sweet - collection account from 1999, roommate shafted me, I paid them in 2000 to get it off my record. Now my credit report shows it closing in should have aged off already but they re-aged it. Called, they promised to fax me copy of account to send to credit agency and get it removed, but never did.
I disputed the item on my credit report, but they actually confirmed the innacurate info and kept the bad record on there. Need to send them a Dispute Validity letter and prepare to file suit.
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