Collection agency records do not belong on credit reports, and are inherently inaccurate (you never "opened an account" with a collection agency.. and claiming you did is what they do when they list your "debt" with a collection agency. Its not really a debt because you don't owe them anything- maybe you owe someone else soemthing they are trying to collect.)Neo, Anyone who reads a credit report entry by a collection agency knows that the consumer did not open an account at the collection agency. No reasonable person thinks it is a claim that the consumer willfully opened an account with a collection agency. And finally, it is clearly segregated on the credit reports from entries by companies doing financial business with the consumer.You are clearly very informed but statements like these are overreaching.Robb
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