<prompt> Human: Credit Karma says the account was opened Jan 2 of this year, but I never received anything in the mail or any phone calls from a new collections agency in the past 6 months-1 year. The description on Credit Karma says it was for an ER physician.This could be related to a workers comp claim back in summer 2016. Workers comp covered one ER bill, but I was still on the hook for 700 that I eventually sent to my insurance when a collections agency was on my tail for it in 2017. This amount doesnt match the amount reported on Credit Karma from this agency, but it could be a reason why the account was 96 paid off on the report. It says I owe the agency 51 now. That same year, I also had a visit to a mental ward for a week, but insurance notified me that the stay was covered and I never saw a bill for it.My question is how I should approach this. Do I just call the company listed on my report? I cant pull a full report from annualcreditreport.com until July of this year. Can I still make them validate this debt even though its been opened and mostly paid off for 4 months? Or should I just dispute this and wait to hear back? Thanks for any help!  <response>: My wife had the same problem and we challenged the bill and the credit agency removed it from her report. 