There is a collection account on my credit showing it was opened in XXXX and it was NOT. The account was opened in XXXX or XXXX so it has been well over 8 years. I have tried to contact the collection agency in which this debt is placed and the number provided on my credit report for the agency does nothing but automatically hang up on me. This derogatory mark is preventing me from obtaining a home for me and my XXXX children. Please help me.