I disputed this item with Equifax that this item does not belong to me, they came back saying that this item was verify by the creditor and that I should contact the creditor for more information. I try get them to tell me what method did they used to verify this information, but was told that it all electronic and there is not a person that they spoke with. I asked then how can you verify this information when you did n't speak to a rep from the creditor but she say that how Equifax verify information. I contacted XXXX XXXX XXXX XXXX to send me a the contract agreement that I consent to contract but they refuse to sent me the information instead asking me to resend the information that I already sent to the in my letter, which include the account number, the date of last activity, account satuts and amount due/charge off. XXXX XXXX reporting on Equifax that this item was charge off /sold {$8500.00}.