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have a collections debt; unknown agency, have notbeencontact

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I just did the
and I noticed I have a collections debt. What the hell? I have not been giving any letters or anything regarding this, how do I find out what this is and what agency this is? Or find out if it is fraud. This obviously is hurting my credit score

Very Confused

Generally there is a phone number listed on your report that you could call and probably at least figure out what it is. If no number exists and you are pretty sure it isn't yours then you could always dispute the line item with the CRAs. That should get the company stirred up enough to where they might try to contact you.

Sub: #1 posted on Thu, 08/28/2008 - 11:51

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