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sbhagos

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how do i find out what is in collection i do not know what it is for

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Check all 3 reports

Go to freecreditreport.com and get all 3 credit reports.  Look them over very carefully and dispute anything on there that IS NOT yours.  Credit reporting bureaus are operated by humans, who make mistakes.  

Check your credit reports annually.

Since you don't know what the accounts are, the credit reports may reveal them.  However, since you apparently have not received either telephone or mail communications from this collector, it is likely not your debt.  I don't knokw about you, but I don't pay for something that is not mine. 

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