The very first thing I would do is to trot on down to my local police station, and file a police report.
Yes, you first need that before you can take action regarding any assertion of non-ownership of a reported debt.
The CRAs are not contract attorneys or law enforcement agencies. They are not going to decide their actions based solely upon what you assert to them.
When you sign a police report, it imposes criminal penalties on you for any frudulent statements made therein, so is thus recognized under the FCRA as suffiecient legal assertion of potential identity theft to then warant their action. Simply stated it is grounds to get the ball rolling to get CR blocking, and hopefully, deletion.
All you have to tell the police is that someone is reporting information to your credit file on a debt that you never owned, or signed for.
Once you have that police report, it then becomes what the FCRA, unfortunately, calls an "identity theft report." FCRA 603(q).
With that in hand, then file a "Request for Block of Information from your Credit Report" under FCRA 605B.
You need only attach a copy of the police/identifty theft report, and state that the information reported to your credit file was not related to any transaction intitiiated by or authorised by you. Thereafter the information must be blocked from subseqent credit reporting.
