I was contact by XXXX XXXX and they said they were collecting a debt on an old account I told them I needed additional information and I was told it cost them more money to get account information but they have enough to proceed with further actions if I do not pay. They mentioned they seen I have cleared up all my past debts so that prompted them to contact me to clear the one they purchased. I have they kept asking me if I seen them on my credit report which I answered no but then said used it as a threat which they did add to my report. Once on my report I could see the name of the original creditor " XXXX XXXX XXXX '' The qualifications to join this union are to be a XXXX resident. I have never lived or know anyone who lives in those stated. I am not eligible to even have services from this credit union. This is clearly fraud and they are constantly acting as if they a re making changes to my report so they know my credit monitoring will alert me. I submitted a dispute to experian they did not change anything. They should have an application of some form with my address or how I am eligible to have a loan from this credit union. This is not a standard bank. That should have been an easy way to find out if this is a true debt of mine I am not sure what the review process is but I do n't believe it was looked into correctly. I communicated with XXXX there were several disconnections they told me the have a internet phone system. If I legitimately owe this I would pay but it seems far too sketchy and they seem to now how to pull of the disputes of experian they did n't even try to add to my other credit files. I am not trying to discredit anyone maybe they bout a bad debt with wrong file information. I tried to submit another dispute being more detailed about the fact I am not eligible for this credit union but they say they will not review the same dispute twice but I can put a comment on my file. If they do not look closely they are only adding to the problem.