i have always had a very clean credit profile. so it was easy to spot something peculiar.

I defaulted on a cell phone contract (on purpose because of a major mishap). I knew it would appear on my credit report but though id take care of it later. and that's what im doing now.

but when i pulled my report, it turns out that not only is the cell phone service reporting the debt, so is a collection agency. so that's 2 collections for one account.

what should i do about that? contact the cell phone company, the collection agency, or the credit bureau? all three? any advice?