Your first step should be to send a letter to the credit reporting agency disputing the debt. They will generate an inquiry to the creditor who is supposed to verify the debt. If they don't correct the report, I suggest you visit a local NACA attorney. You can find one by looking at www.NACA.net and selecting the FIND AN ATTORNEY tab at the top. Good luck!
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You send a demand letter to both the credit reporting agency and the company that is reporting you adversarial. You would have a cause of action, if you apply for credit and this debt cause your credit to be denied or they offer less favorable terms.Ask a similar question
As stated above, you should visit with a qualified consumer attorney in your area. A NACA lawyer is an even better option.Ask a similar question