[thesis]

I really don’t remember. But I kept getting people creating different accounts that I wouldnt know about until it went to collections and dinged my credit. Took me a couple years to finally get it locked down. After 5ish police reports and ftc identity theft reports that all these energy/cell phone companies require for you to dispute.

It’s maddening that these companies give out service with wrong variations of my name and no ID but then want me to jump through hours of hoops to get it removed from collections.

Luckily I got it all resolved prior to rates shooting up so I was able to refi at all time low rates or this would have cost me a lot of money.