The CA refused to do anything, claiming they had my name so it must be me. I asked the CRA's to validate the debt with the creditor, not the CA (I was naive, thinking they would). All they did was to contact the CA who validated the debt. I tracked down the creditor who verified to me that it was not my debt. They wrote the CRA's telling them that the debt was not mine and that any negative entry should be removed. Then they sent me copies of their letters. I sent the copies to the CRA's telling them to remove. They responded , saying they had to investigate. It has been almost a month and I am getting apprehensive. My question is this: In light of these facts, are the CRA's just going to validate the debt again with the CA, or are they going to contact the Creditor? It was the CA who put the negative on my report.