I have the same problem, payment made in july 2008, $752 from the rogers store, cancelled the phone..feb.2009, i find out from my bank i owe them $100.,paid them off, and now I have a R9 credit from rogers, for $4, that I dont owe?? how can they get away with false billing, and false information. Equifax does not even follow up, even though I sent them copies..pathetic!!