Help with getting a negative off credit reportA collection agency contacted me about a debt that I am sure I do not owe. They did not give me any proof of debt and failed to notify me within the guidelines required by law. I told the I do not owe the debt and that they needed to provide me with some proof (a contract...anything) that shows I owe this debt and they did not. It ended up on my credit report and I filed a complaint w/the DA's office. They responded that the credit agency that I didn't respond in time (I did) that is why they put it on my credit report and they made other false statements about me. They also said they are not longer pursuing the debt (gee I wonder why...because there is NO debt owed). The DA's office said that they will keep my complaint on file but that is all they can do and if I wanted to pursue further action I should get an attorney. Well, I certainly can't afford an attorney, but this hit on my credit has caused me to lose almost 100 points on my otherwise great credit history. Any suggestions or comments?? Thanks!January 29 2009 - Greeley0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.