help03
How can First Credit of America show up in your credit report when they don't have any of your account details? They should have a legitimate cause before hitting your file.
It is better to contact your original creditor and take responsibility to settle the account with them. Dealing with them will be quite easier in comparison to the CAs. They can also offer you some benefits in your payment process.
If your creditor has sold the debt to some collection agency, they will give you the proper details of that company.
After making several trials, if you are not able to get the actual details, you might have to wait for the company that is holding your account legitimately. Use your federal rights while dealing with such companies.