Debt That Is Not Mine In Collections

by James

I have recently discovered that I have large amounts of debt (thousands of dollars) on my credit report that are not mine and that has been sent to collection agencies. How do I get more information on what these are for (itemized information?) and what do I do to correct it? Again, I did not aquire this debt. I live in Pennsylvania.

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Feb 28, 2010
debt collection not my debt
by: Gerri


Thanks for submitting your debt collection question on our Q&A page.

There could be a couple of explanations for these debts appearing on your credit reports. The first that comes to mind is that you may have been a victim of identity theft.

The second is that you have a common name or a relative with a similar name, and your credit files were mixed up.

Your first step is to make sure you are starting a file and keeping copies of your credit reports, as well as copies of any correspondence you have about this debt. Please also be sure you make copies of our Free Debt Collection Worksheet and use them to take notes of any conversations you have about this debt.

Your second step is to dispute these accounts with the credit reporting agencies. There should be instructions for doing so on your credit report. That may take care of the matter, but if it does not, please come back and tell us what happened in the comments section of this question.

My fingers are crossed that it gets cleared up quickly!

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