<prompt> Human: I received my free credit report in January of 2012. It seems a collections agency has put me in collections for an account that was paid off and Im trying to dispute it with the three credit reporting agencies. Experian will not let me begin a dispute without a credit report that is less than 90 days old. The only option that they seem to give me on their website is to pay for a new one. Isnt this illegal? Shouldnt I be allowed to dispute a debt incident without paying money?  <response>: Your information is out of date, it makes sense to me that theyd expect you to base your dispute on current information.Correcting your report is worth the 1020 they want.Do it, dont go out to dinner tonight. Bam. Its a wash. 