Credit report listing for company that has never contacted m

This does not seem to be right. According to fdcpa, collector should notify the debtor first. They have to send written documents within 5 days of first communication. If they don't, debtor can request for it too. Once they receive the request they cannot start collection activities without validating the debt.

Now, if they validate, debtor has 30 days to dispute the validation. Collectors can report it to credit bureau within this 30 days period. However, if debtor disputes any item of validation, CA has to reinvestigate it and update it accordingly. If they cannot, they must remove the entry from your report.

It's pretty clear that it didn't go this way with you. You can send a request for validation through CMRRR. If they cannot validate, request credit bureau to remove the entry.

What is CMRRR? Also, can I just request the credit bureau removed from my credit report without contacting the collector since they have never contacted me?

CMRRR stands for Certified Mail with Return Receipt requested.

Thanks (Tammy). It sure is a lot of work trying to clean up a credit report.