<prompt> Human: Over a year ago I received a call from a collection agency trying to collect on a small debt. The last payment made was back in 2009. I had a long discussion with the agent where I was basically asking for a guarantee to remove the debt from my credit report if I agreed to pay in full. He refused. I explained to him that it would make more sense for me to not pay the debt because it would fall off in 2016. I pulled my credit last night and there is a payment of 15 dollars showing up that I am 100 sure I never made. What can I do to dispute this?  <response>: They did this to fraudulently reinstate the statute of limitations. It appears you were outside the statute of limitations and therefore they could not collect, however any payment by you even after the statute of limitations expires, will reinstate the statute of limitations clock. They knew this and likely they are the owner of the debt before they posted this payment to fraudulently restart the clock. 