Out of the blue in early September I received a call from a creditor claiming to be collecting debt. I knew I didn't have any outstanding debt, so I took the call in good faith believing that this was an honest mistake that could be easily cleared up. The creditor had my name incorrect and and incorrect address history and claimed I owed a debt from 1991 (I was still in high school then). I told them it was definitely not my debt. They asked for my bank account information and threatened to ruin my credit. I told them I would not give them my information and that this was not my debt. That I would investigate further. They called my several times a day, harrassed my underaged daughter, and told me I would be sorry when they put a damaging report on my credit. I raced to get a copy of my credit report to see if this mysterious debt appeared there. It did not. There was no record of this debt at all on my credit report. BUT there was a new hard inquiry for "collections" from portfolio recovery associates. I have written them and asked them to remove the illegal hard inquiry, which violates the fair credit reporting act. The inquiry remains on my credit report. I don't know what to do to combat this fraud.
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