I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.