Thank you NCperson. I've reached out to Commonwealth but have yet to hear back from them. It's only a charge of $96, but it still impacts my score. With such a 'minor' amount, I suspect that many would rather pay it than go through the hassle of contesting, which is how these companies profit. I'd prefer to avoid that trap.
As you suggested, I'll be contacting the credit bureaus as well to contest this. What a pain!! But thank you for the advice...
