There is an account on my credit report from a collection company called FBCS that says I owe them $414. This is not my account and I sent FBCS a letter saying that it was not mine and they need to remove it now. They replied with a letter saying that the account is closed and returned to Sprint who was the original creditor. The also stated that I need to contact Sprint to have it removed. But, its not Sprint's name on my credit report it is FBCS. Since FBCS is the one reporting it shouldn't they be the ones to remove it? How should I proceed.

P.S. I originally contacted the 3 credit report companies and that said it was verified as accurate and I needed to contact FBCS.

This is not mine and I want it removed now. How should I proceed? Thanks.

You need the collection to verify in writing which account they claim you owe & the amt. Then you need to contact Sprint & get them to verify in writing that it's not your acct & that it will be corrected from their end on your credit report. With that you can re-contact the credit bureau's & have the accurate info added to your file, if nothing else.

You have to remember they don't really care about your credit score, so you will have to be very proactive to clear it up. And the collection agency is working for the creditor & are limited to what they can do unless & until you get Sprint to call them off & correct the record.