Not my collection on my credit?

Question

Hello.

My credit report include someone's name.

But someone does not pay bill. I do not know someone.

My credit is down and down now.

I called collection company. I told them not my name not my bill.

They say just pay

That collection is not mine and not my name.

How can I remove someone's list on my credit.

Please help me put.

I already mailed out three credit. but they donot remove mine.

Also, I just called collection. But they say just pay. They donot care mine or not. just pay

please,...

thank you guys.

I contacted someone who is on my credit.

She said she couldnot pay.

She cannot pay.

Oh...

She said not my credit. no I donot pay.

What I gonna do.

Collection say I pay because on my credit.

and actually creditor cannot pay.

I have to pay?

what happened?

please guys help me out

Answer 1

You have to send them a letter requesting that they send you proof of the debt. If they can't do that, then they can't require you to pay.

What must the debt collector tell you about the debt?
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.

May a debt collector continue to contact you if you believe you do not owe money?
A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.

Answer 2

You write a letter, not email, not phone, to the creditor. They are responsible for making sure of credit being correct. If there is an error, you can write to all three of the credit reporting agencies and they will investigate and remove errors. If it is accurate, you can write a letter that will be included in your credit report. Do not pay if it is someone elses name, take down creditors name address and day and time of call. Ask to speak to a supervisor, tell him that you have his companys info, and that the person in question is unknown to you and to remove your info from their records. If this person is using your Social Security Number, get more information from the credit agencies or police as to correcting this quickly.

Answer 3

You need to contact Equifax and red flag your credit. They will contact the other two agencies for you. Then you need to order your credit report and write to each of the three credit reporting agencies on each individual items saying that you want to dispute it. They have something like thirty days from the day you mail it to get back to you or they MUST take it off your report. They will investigate it or just simply take it off, but make sure you red flag your credit! I had to do the same thing. Someone tried to get cars and credit cards with my hubby's social, and we both had other ppls name and socials on our credit report.

Answer 4

File an identity theft report and put up flags on all your credit cards and your social. Sounds like you may have a victim of identity theft, if you can prove its not you it can be removed but its a ***** to take care of and it takes a while.

Answer 5

Look, I used to work at a nationwide collection agency as a supervisor. You can do this quickly by calling back in and asking to speak to a manager or supervisor. Do not settle for voicemail. Be persistent and this will be taken care of; it is within their power to do this. It is your will against their's.......step up.