Letter Credit

Dispute Letter Credit?

I found two MAJOR ERRORS on my credit report when I went to buy a car recently that I was shocked to find because I have always had very good credit in the 650-680 range. I called the collection company that is reporting this on my credit and they said it is VERIFIED as mine!Which is a crock of bull because IT'S NOT MINE! So my question is how do I go by disputing what the credit bureau and collection agency is saying that is VERIFIED or True on my credit report?
I also contacted the collection agency that said it was mine and they said it was MY ACCOUNT! I told them it wasn't and we argued and they said it is and NOTHING that I can do about it just shut up and pay. How do I go about disputing this error on my credit report? Do I contact the collection agency or credit bureau or both?What do I say in these letters? How can they do this to me it's not fair that they can just put stuff on your account and say it yours!

I'm going to provide you with links that will help you out a lot about debt validation

Link to debt validation:

http://www.creditinfocenter.com/rebuild/debt_validation.shtml

http://clicks.aweber.com/y/ct/?l=P0rOK&m=9SWI8RwoJakdf&b=HVC8b7bHrTdKkDds35d4tA

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