Keep a file. If they file suit against you then it may prove to be useful.
This answer does not create an attorney client relationship between you and I. I am not your attorney unless we both sign a written contract that describes our relationship and terms of the representation. Any information provided to you here is not a substitute for the advice you need to pursue any legal matter. I advise you to retain the services of a local attorney before taking any legal action in this matter.
If the account is not yours then you have FCRA claims against Equifax and the furnisher of the information (the collection agency). You should contact a consumer attorney in your area to bring a FCRA claim to clear your credit. If you have trouble locating an attorney check on naca.net. Good Luck.
The answer given is for informational purposes only and does not constitute legal advice. Dwight Bowen is a bankruptcy and consumer attorney and may be contacted at (404) 880-3310.
It sounds as though you may have a cause of action for a violation of the Fair Credit Reporting Act (FCRA). You should continue to maintain good notes and consult with a local FCRA attorney for guidance and direction.
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