I’ve been getting spam from an apparently real debt collection company but the thing is I’ve only ever owed debt to two entities: my credit card and the government (fucked up my withholdings once). I know I don’t owe shit, so either it’s a scam that’s impersonating a real agency or somebody stole my identity and they think I do. Which is possible, for reasons I won’t go into.
You should be able to get reports directly from the ratings agencies. Just search for TransUnion, Experian and Equifax
Ok, thank you. The amount of commercials those put out convinced me it was a scam somehow. I appreciate it.