THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in. 

They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management. 

I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX.