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I was checking my credit report on Credit Karma, and saw them listed in my credit report despite not even knowing who they are. I tried filing a dispute with Equifax in the credit karma app, but apparently some of my information I had to give them to verify I'm really me was wrong. Most likely due to the information I was trying to dispute. Not sure why the computer thinks just because it has my information it thinks it MUST be correct, but I digress.
The issue is, I have no idea who this company is, or how they got my information, but they claim I owe them over $1, 000 for a loan I have NO knowledge of taking out. I live with my parents still, and pay for everything with my personal debit card. On the RARE occasion I make a purchase I can not afford, I put it on my credit card, issued through my bank, and pay it off right away, or as soon as I am able to.
I do not know how they got my information, but it, along with other invalid information, is ruining my credit score, which a few months ago was in the mid 700's, now is down in the low 500's, and anytime I try getting ahold of someone I'm assured it's going to be taken care of, but then never is. It honestly makes me wonder if these scammers actually work for the same people you have to file to get these errors removed from, since nothing ever gets done about it.