<prompt> Human: Due to not checking my credit report for 6 years and not filing a vehicle release-of-liability form, I now have a derogatory item on my credit Im an idiot, I know.I checked my credit report recently and found I had been taken to collections by a towing company in 2010 for a tow on a car that I had sold a year prior. I sold my car mid-2009. I have a bill of sale, but forgot to submit a release of liability form with the California DMV.The tow company sold the account to the collection agency in early 2011.I have made contact by phone with the collection agency several times. Their response each time has been in essence because you failed to file the liability release right after the sale that there is now no document that can be produced by you that would prove to us that you were not the owner and therefore the debt is valid.The derogatory item falls of my credit report July 2017, but I would like to take care it now if I can. What should I do?  <response>: Id ignore if it I were you. It will be gone in just over a year. 