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Jessica
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Debra, Expert
Hello! My name is Debra (formerly known as Legal Ease). Thank you for your question. I'm reviewing it now, and will post back again shortly.
Debra, Expert
I am sorry to hear of this difficult situation.
Equifax and transunion are not going to provide you with documentation. That is not how they function.
First you should be asking the collection agency to correct the reports since they are not about you and you should threaten a lawsuit for damages.
If that doesn't work you have to go through the appeals process for each of the credit reporting bureaus and provide evidence that this is not your debt.
If that doesn't work you would in fact sue the collection agency.
Does that help as a starting point?
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Debra, Expert
I don't but just state the facts and give them a deadline to reply (such as a week or maybe 2 because of COVID) and threaten a lawsuit.
You are very welcome.
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Thanks and take good care.