They are junk debt buyers. I don't even believe I owe them any money as the company they bought the debt from is a book club. "The Literary Guild". I bought books from them more than seven years ago and to my best knowledge I paid them the $130.00. I just cannot find the cancelled check and I do not bank at BofA any more. I disputed this with TU and they deleted it, It is not on EQ, I am just trying to get it off of EX.