I see a collection account on my credit report, which is not mine, so I try to contact them by phone so it was very hard to get through them anyway, finally, when I able to talk with them, they are not a helpful and thread me to mess my credit report and keep messing my credit report till I paid them so I write them a letter requesting VALIDATION of debt, After that they did n't respond to letters and take off from my credit report But since then they keep reporting on my credit report after every couple months I have to go and dispute then again and again to clean my credit report but they still on my credit report.