Hi, I am a bill collector by profession of 3 years and the only way they can put an account back on your credit file is if you sent in a dispute letter, they reviewed it and took it off your file, then after the investigation of the debt found you had no proof to show that the debt was satisfied. If they found the debt has been satisfied and you have proof or if the person who owes the debt is deceased and you have the death certificate, then I would contact the attorney general and they will make the credit bureau remove the debt off your file. But make sure that even though it's on your file, it doesn't have a satisfied marking because when debts are satisfied they will appear on your credit report as such. Hope this helps.
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