I have tried repeatedly to prove the debt is not mine. I do n't know if someone with the same name or close to the same name as me used this service or what. I am not the responsible party for this debt. In fact, it is the only open debt on my credit report. I do n't know what else to do. I have all my debt paid and I refuse to pay for something that is not mine and it 's the only thing hindering my report. This is not my debt. Please help.