I have several issues on my credit report I am trying to get removed. I have XXXX alleged debts that have been reported on my credit report for about XXXX years. Both of these debts are debts I did not make, do not owe, and want off my credit report. The problem is, how do you show proof that you do n't owe a debt. I do n't have documents that say debt X is XXXX I did not make on XXXX XXXX, 2010. XXXX of these alleged debts is from a cell carrier. I paid and closed the account. About XXXX months later I received a bill for XXXX months of service after I had paid and closed the account. Another is from my previous auto insurance. They paid me on an insurance claim and then some months later sent me a bill and claimed they paid me a XXXX and change too much and were demanding payment or they would send me to a collection. I do n't owe them anything. They paid me what was owed. I 've attempted to dispute both of these with Experian and they refuse due to it being a " frivolous '' dispute. I have to send them supporting documentation stating I did not make these debts or they do n't belong to me before they will consider proceeding with a dispute. I 'm puzzled as to what to do at this point.