For the benefit of other readers I will make the following comment:When you get a collection notice, THEN is the time to check your credit reports for any entry by the collection agency, and, moreover, to sign up for some kind of monitoring service so you will be able to tell if an entry in put onto your reports.IF a CA has already reported the account to the CRAs, then you should INGNORE THE USUAL ADVICE about trying to deal with the original creditor rather than the CA. Deal with the CA and make the removal of the trade line part of the deal you cut with them.My advice to you is:First, dispute the item as not your account. You have a good faith basis for doing this as you were contacted by a CA with a "different" name. With any luck the CA will not verify and the item will be removed. If the CA verifies, then you could threaten to sue them for using one name when contacting you and another name when reporting the item as a deceptive practice prohibited by the FDCPA, if they don't voluntarily delete it.Good luck.
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