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lobby

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I don't have anything in collection on 1/7/2012
It was stated an item was in collection on January 7, 2012. I do not have an account in collection. How do I find out about it?

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Top Contributor
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Get your credit report from one of the bureaus and it will list the collections account on the report if it's been reported to that bureau. You can then see when it was posted, how much it's for, what the status is on it, what category, and most importantly, who owns it and their contact information. 

I suggest afterwards calling up the debt collector and tell them it is not your account and that they must have the wrong record. They will most likely tell you that it is yours (junk debt buyers). If they don't cooperate with removing the account since it is not yours, you have the option to write them a "cease and desist" letter, or disputing it with the bureau.

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