<prompt> Human: Checked my credit score recently and found that Cox had placed a derogatory mark against my credit history two months ago for 30 outstanding. I havent been a Cox customer since June 2015, and this mark says it was opened in May of this year. The mark shows up on Equifax but not Transunion. The frustrating thing is after digging through all my email accounts and phone records, I cant find any record of Cox reaching out to me to settle the bill. My question at this point is: is this legal? If so what actions should I take and what are my rights here? Ive already disputed the collection with Equifax. If anyone has any suggestions or advice I would greatly appreciate it.  <response>: Mistakes arent criminal negligence. Just dispute it. 