That's one of the ways a person can "erase" consumer debt: challenge the creditor to prove the debt is legitimate. If they can't, it's supposed to be removed fr

That's one of the ways a person can "erase" consumer debt: challenge the creditor to prove the debt is legitimate. If they can't, it's supposed to be removed from one's credit report. In the case of bad debt that has passed through multiple agencies, that can be incredibly difficult to do.