If you know anybody in that business, give 'em a call....the only info required is your name, address and Drivers License number IIRC.
The only negative I found was some jackwagon book club who claims I ordered a book and that I didn’t pay.
I already asked them and Experian (in writing) to remove it as it’s wrong, but they never did. A buddy of mine who works in the biz says to just pay them their extortion $ and send proof to the credit gods to atone for my alleged sin.