I work for a company that fixes credit. First, don’t call the company. Pull your credit report. You are entitled to a free one once a year. I found the website www.privacyguard.com is the best. It is $1.00 (one) to pull all three of your reports and all three of your scores. The dollar is for a 60 day trail. If you do not cancel before 60 days they will bill you 130 dollars. The 130 is for a full year of being able to see your reports, identity theft protection and a lot more. Technically it is the cheapest around.
See if the debt is even on your report. If it is not, send them a no contact letter immediately. IF they call you again, report them.
If you know for sure that the debt is NOT yours, and it is on your report, you need to go straight to the credit bureaus.
Per the fair credit reporting act, you have the right to dispute anything what so ever on your credit report. Mail a letter to all three of the credit reporting agencies. ( Equifax, Experian, and Trans union) Stating that the debt is not yours. Also inclue in the letter that you want your response in writing, and you want an updated credit report along with the creditor information. Also include in the letter the law "fair credit act", and let them know you will be contacting them in 45 days if you do not hear a response. Include with the letter a copy of your photo id (with your current mailing address on it) and a copy of your Social Security Card.
The agencies have 30 days to contact that creditor, that creditor in turn has the same 30 days to cough up documentation proving the debt is yours,. If they can’t it has to be removed because of the law. Do not give the creditor any information about you. Do not pick up the phone. They will use any little thing they can get to collect on a debt even if it is not legally yours.
I hope this helps!
My job - Credit FX