I'm having similar trouble with the monkeys from CBS transcom Had a debt through citifinancial which i paid off in 2002- lost the confirmation letter CBS contacted me saying I owe them and as i didnt have proof of payment were going to take legal action when i told em where to stick it I obtained my credit report which clearly shows SATISFIED under that debt, still CBS wont accept it so I said fine go ahead and let your solicitor contact me and when i present to him my evidence see if he wants to take the case further