I have XXXX debts on my credit report from Midland collection agency. They are reporting that I defaulted on these accounts in XXXX when I had n't had the XXXX accounts since XXXX at the latest. Coincidentally these items did n't appear on my credit report until late XXXX. I had better credit last year despite that I have only continued to pay my bills on time. A dispute with the credit bureau only said debt reported in accordance with fcra which I know to be false. How can I resolve this?