What is Civil Code Article 3 and STATS, 1997, C. 907,P.2771. 1 It says on thier Bill We have been informed you are applying for credit. The above balance is on your credit file as an unpaid account. Remit in full to clear your credit record. This is not my account, I have demanded proof. They say they don't have to they are a utility company and we don't negotiate or settle. They sare a collection agency the account does not belong to Pacif Bell any more they sold it, so they are not a utility company but a collection Agency. So their statement Utilitie Company's do not settle and using that as a crutch is not legal is it. Also I have disputed and asked for Proof that I owe the debt. It's from way back, an old roomate used my info to get a phone line. I want to file a fraud case should I and if so how do I go about it, any ideas?? Thanks B.C.