I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.