I do actually, because I've been through the process of disputing a debt before. All the creditor has to do to verify the debt is to show their records to the r

I do actually, because I've been through the process of disputing a debt before. All the creditor has to do to verify the debt is to show their records to the reporting agency, i.e., their justification for charging you. It's not like the agency has a team of detectives that are going to stop at nothing to get to the bottom of the issue. If it looks legit, then for their purposes it is. I've had a completely illegitimate debt "verified" simply because they were able to show a paper trail saying I owed it according to their own internal rules, none of which were written in anything I signed or agreed to. It probably didn't help that it was a government office (DoD), but their idiotic "that's just how it is" justification was good enough for the reporting agency. Years later after an audit they admitted their mistake and refunded me, although they never refunded the late fees they charged me for a debt that they now acknowledge I never owed in the first place. If you pull the braindead maneuver of not cancelling a service before cutting off payment, they're going to have no problem coming up with the records they need. Is it fucked up that they can deliberately make it difficult to cancel? Yes. But that doesn't mean it won't cost you points on your credit score. That's why there's a demand for a "click to cancel" law.