<prompt> Human: Hey RPersonalFinance! I am making this post to seek advice in a situation that I have found myself in. I have made the best effort to keep my credit perfect and pay all of my bills on time for the past 2 years thats how far my credit history extends. A few months ago, I moved into a new apartment and at the time I started exploring my options for who my ISP would be. After talking with Comcast and being told that they couldnt service my area, I called ATT and they said the same. The only difference was the idiot representative who I spoke to mailed me an ATT U-Verse Modem Kit, which is roughly 100 dollars. When I received it in the mail, I called ATT and demanded that they accepted it back since I couldnt even get their services. They made me a label and gave me instructions on how to send it back, I did so as soon as possible. A few weeks went by and I thought that everything was dandy, then yesterday when checking my credit I noted that there was a negative hit on my credit score for the exact amount of the kit. After looking carefully, it seemed as though ATT turned this over to a collection agency which then dinged my credit for whatever reason.I called ATT and explained the problem, after which they denied ever receiving the package. Luckily, I had a confirmation number from UPS that said that it was delivered in the first half of January. After the representative that I was talking to checked the tracking ID, she came back and told me that it was their mistake and that they will credit my account for the delinquent charge.I am not worried about the account being credited, I am worried about my perfect credit score dropping 128 points due to something I had no fault in. I attempted to contact experian and dispute the charge since it wasnt my fault, but the online interface makes it close to impossible it keeps refusing to let me submit an online dispute.My question to you guys is, if ATT reports back to their debt collector that the amount has been taken care of, will the debt collector report this to the credit bureau and have that demerit removed form my record? I am really terrified that it wont go away and I wont be able to get the new car that I have been planning to get in a few months.Please let me know what you guys think, I really appreciate the insight. ---UpdateCalled Experians Dispute center and opened up a dispute. I explained to the rep what happened and she said that she will go ahead and get the dispute submitted for review.I am going to call ATT back tomorrow and ask for a verified letter that states this was indeed their fault and not mine. In addition Im going to call the debt collector directly and let them know whats going on. Im going to send a letter to Experian outlining everything and demanding it to be reviewed as this was not my fault in any way shape or form.Thanks a lot for all of your insightful comments! It means more than you think. 2nd UpdateSo I stubbornly tried to fix this through calling ATT and asking for a manager, every time I would call, I would be told that the manager was not available and then be placed on hold. After about 20 minutes of holding, I would either be transferred over to another rep who told me the exact same thing couldnt help me, please hold for a manager, or would conveniently be disconnected. I finally told myself enough was enough and reported ATT to the BBB and filed reports with all of the bureaus. Within 30 minutes an ATT rep from the corporate office called apologizing for everything, stating that they would retract the demerit and buy back the account from the debt collector. Its funny how quickly a company will respond if it means having their reputation take a hit through a site like the BBB but they could care two shits about an individuals reputation. Im hopeful that this will get resolved, but I will not believe it until I receive an updated copy of my credit report showing that it indeed was removed.Thanks again rpersonalfinance! I will definitely keep you posted --- FINAL UPDATE After reporting ATT to the BBB, their corporate offices called me directly to apologize. They pushed back the credit inquiry that was completely false of me owing them anything and they even sent me a certified letter apologizing for the inconvenience.I will never do business with ATT again, but its good to know that the BBB has at least some sort of impact on how big businesses run. It has been three months now, and so far, my credit has gone back up and there has been no issues getting approved for new things.Thanks again rpersonalfinance!  <response>: I work in car sales, I have seen phone companies destory so many peoples credit. Especially when your credit is on the light side. 