On XXXX XXXX they reported a collection account to the major credit bureaus. The account is a fraudulent account, due to a robbery we had in 2008 we have become the victims of identity theft. XXXX Services admittedly sent no letters or made no calls to the phone number or address that belongs to me, this information could have been found when they looked into my credit files, they would have also noticed the fraud alerts. By not sending me information and giving me the chance to dispute they took away my rights under the FTC 's FDCPA, I informed them of this and they offered no solution. They also stopped communicating with me and will not respond, I have also filed a complaint with the FTC regarding this matter. I am in the middle of XXXX and personal financing and this collection account that I did n't have the ability to correct before it went to the credit bureaus just dropped my credit scores XXXX points between the XXXX bureaus. It 's causing me monetary damages every day.