What if a credit bureau sends me proof?
They won’t ever send you proof. Only the original creditor can. However, let’s say for some reason there is proof of the account saying it’s yours, either from a creditor or a credit bureau (hypothetically), you can negotiate a pay for removal with your original creditor. Remember, a collection agency NEVER has proof the debt is yours. This system will work every time on a collection agency so you don’t need to pay a collection agency.