Good day, In XXXX of XXXX I found that the Franklin Collection Service , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MS XXXX, had placed on my credit a notice of collection from XXXX XXXX XXXX for a debt of {$73.00} that is not mine. I contacted them immediately as soon as I found out about the collection attempt. Basically, they are requiring me to prove that the debt is not mine. 

To date, they have refused to remove this erroneous collection attempt from my credit record. What follows is a recent email that I sent to them : '' To Whom It May Concern, On Saturday I received from Franklin Collection Service , Inc. a copy of an XXXX invoice dated XXXX XXXX for an address in XXXX XXXX, Michigan with my name ( or another XXXX XXXX ) on the invoice. Know that I have lived at my current address in XXXX, Michigan for THREE YEARS beginning in XXXX of XXXX. My current address is XXXX hours from XXXX XXXX, Michigan. 

Prior to that I lived in XXXX, Michigan from XXXX XXXX to XXXX of XXXX. Prior to that I lived in the XXXX, Michigan area all of my life. I have never lived in XXXX XXXX, Michigan or even in XXXX XXXX, nor have I owned or rented property there. Clearly someone has used my name to initiate service at an address that I know nothing about. I have never requested service there, signed anything asking for service there or given anyone my permission to do so. 

Unless you are able to produce documentation showing that I initiated service at this address in XXXX XXXX, Michigan you are obligated under the Fair Credit Reporting Act to remove the derogatory information that you have erroneously placed in my credit file. My next act will be to file a complaint with the Federal Trade Commission. 

Thank you in advance for your prompt attention in this matter. Please respond to me within XXXX hours indicating how you wish to proceed. If I hear nothing by the end of the week I will file my complaint. " At this point I am frustrated as I am also attempting to secure a mortgage and this issue is causing significant problems.