I spoke with the CA when this first came up. They said it must be mine because they have my name. They said they did not have an address or phone number for the creditor. I tried a validation letter with the CRA's. It came back validated. They talked to the same clown I spoke with. I finally tracked down the creditor. They have no records dating back to that time and cannot say if it is me or not. I asked the creditor to write the CRA's telling them to remove this from my report. At first they agreed, then they backed down. I guess they are worried about liability for the false entry. I think the next step is to asked the CRA's to validate it with the creditor. But, I am afraid they will just try to validate it with the CA again. How do I get the CRA's to send the validation to the creditor, not the CRA? Only the CA is reporting this. Nothing was ever reported from the creditor. Of interest, when I spoke with the creditor, he was reviewing the collection report he received that day from the CA I called. He said they do hundreds of collections through that agency. So the CA rep lied to me when he said he had no address or phone number for the creditor. Suprise, suprise. What is galling about this is that it is for $57 and was paid (according to the CA) two years before they reported it. I have never dealt with that CA and have never paid any collection.