<prompt> Human: A couple years ago, while checking my credit reports I noticed a medical debt in collections from 2011. I disputed it online via all the credit bureaus, and it was deleted from my reports. Sometime within the past month, it suddenly popped up again. I disputed it again, but Experian has already reported back that it is Updated which means theyre not deleting it. I called the collection agency, and she immediately offered to delete it if I paid in full. I asked for more information on the debt, wrote down what she had, and said Id call back - I never admitted it was mine or said I would pay. Like I said, the debt is from a medical lab bill in 2011. I dont know how to look into it because my insurance has changed multiple times since then. I was definitely insured though and I find it hard to believe that routine labs it must have been, or I would remember ran me 400 with insurance. Or, theres also a possibility the debt is not actually mine at all. Did this agency commit a FCRA violation by not contacting me by either phone or mail? I never heard from them, but my address and phone number have changed since 2011 not sure if that matters. Its also possible they contacted me when they originally reported the debt 2013? - would they have been legally obligated to contact again when they re-submitted it to the credit bureaus?I want to get this off my score ASAP since I intend to buy a house within the next six months. My report says it wont drop off until March 2018. I could afford to pay for delete but I dont know what the debt was for, why I owe it, why its suddenly re-surfaced, etc.What should my next steps be?  <response>: Dispute it again with all three credit reporting agencies. Request in writing from the collection agency a proof-of-record of the debt and request they respond within thirty days.Make copies of everything you send or receive.An old medical debt wont be a major concern when applying for a home loan especially when you provide to the underwriter the documentation that you contested the debt and taken steps to resolve. 