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Did you ever receive a reply to your question? Please note that if you file a dispute to this item with the credit reporting service, the former landlord must respond within a certain amount of time to prove their claim. If they can't do that then by law, it must be removed from your credit file. That's the good news! Check with the credit reporting agency. If it's on more than one report, dispute it on each and every one of them. Good luck!