My husband has this on his EX, and EU report. It is an ATT wireless bill. I disputed the the balance with Palisades because when I termed the acct I was under the understanding that the contract had ended. Well I was later told I cancelled 3 days before the contract end date. So the bill jumped from $400.00 to $700.00. I argued that it would have made no since for me to change providers just 3 days before the term date, and it should be clear to them I was given the wrong info.