Credit Acceptance Corp I Have A Negative Entry On My Credit Report What Should I Do?

I have a negative entry on my credit report what should I do? - credit acceptance corp

I looked at my credit report and my results are pretty decent 744 exp, 735 equi and 748 UT, but I've had a collection agency Asset Acceptance Corp. I returned that question, and was invalid. I want to do, but it is useless if not removed. And negotiate the debt collection agency with me, to pay the debt and eliminate the problem? And is it legal? The debt ratio is only $ 86 and I, because my old roommate used my social. But I will not pay and I still have my report .. Suggestions?