Can a collection agency put a collection on your credit even though you have a police report showing the car accident was not your fault?

Collection agencies only care about one thing...collecting money. More info is needed to answer this question but if this is a medical collection, you need to find out why your insurance company did not pay it.

You are allowed to write to the Credit Bureau(s) and attach a comment that other creditors will see. Simply and briefly write your comment to explain the circumstances. Even if the collection agency won't listen, other creditors will see your explanation.