<prompt> Human: I NEED HELP ASAP I AM ONLY 20 AND NEED ADVICE  <response>: Since you were 17 at the time, you will need to dispute this with the agency AND the bureaus. FDCPA law states you have 30 days to dispute the validity of the debt, IN WRITING. Dispute the debt, include a copy of your drivers license as proof of age and demand documentation on the account. Send it certified mail to them, or fax it to them, either or. They then have to prove the debt exists. To find the bureau dispute procedure, Google the various bureaus and their websites will have the procedures. Trans Union, Experian and Equifax. 