<prompt> Human: In January of 2012 I had a doctor appointment. The doctor office said they would just send us the bill in the mail. My parents couldnt afford it but they didnt tell me as they thought the debt would go on their name. I had no idea that they didnt pay it. Well yesterday I created a CreditKarma account and saw the bill went to collections! The debt is only on TransUnion. I can easily pay the debt since its less than 150 but I dont want to have that on my record for another 7 years. Is this disputable because it happened out of human error?  <response>: Negligence is not human error. 