I have a collection account.The OC is bank of america.This dofd occurred in Dec.2005. BoA is not reporting any entries. However, 3 different collection agencies appear on my individual reports ( 1 on each). As it appears today, just pulled each individually: ON TU, it is LTD FINC SVC. original balance $1082---balance $1153 On EQ, Federal Bond and collections. Original balance $1,064--balance $1305 On Ex, it is FBCS. credit limit $1064---balance 1305 all of the dates are different as well. My question is whether to first dispute with CRA's under inaccurate reporting category or to first validate with the CA's to see who is actually legally has the right to collect the debt.