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Hello, I am in need of some serious help. I have never checked my credit report in my entire life until two days ago when a collection agency called me and informed me that i had student loans in my name. *this is sadly a case of family fraud but i did attend school so I'm dealing with that, it only prompted me to check my credit report to see what else may have happened. I did credit karma (transition) and to be safe got the experian report as well. I am going through all this information still as it has been pretty overwhelming but have noticed a few pretty serious concerns already. First big issue: on the experian report under my personal information it says "also known as" and it is not my name, possible typo on someone end at the original creditor or during the transfer of information I have an account in collections with the improper name on my report. EOS CCA filed collection account for AT&T mobility for $900 You have to have the correct information to even have an account started in your name so Im not sure what to do. second: Multiple accounts in collections that are not mine: AFNI is reporting $297 for SPRINT as well as TRIDENT ASSET MANAGEMENT and NATIONAL RECOVERY reporting columbia house dvd $58 for different dates one in 2009 the other in 2010 and i have never had a columbia house dvd membership of any kind. I have two different agencies SW CRDT SYS and STELLAR REC reporting COMCAST debts for three different amounts and three different dates for consecutive months in a row. but each time that i have used the company i have closed out the accounts and paid them off to a 0 balance. SWIFT FNDS reporting a golds gym membership from 2009 for $202. third: FBCS is reporting EMCARE CENTER EMERGENCY PHYS $528 and I cannot find this company anywhere on the internet to get information to even have an idea of what this might be, ALLIED COLLECTION has two different accounts in collections for RADIOLOGY ASSOCIATES with multiple amounts: one has an original balance of $68 then current balance of $72 opened 10/25/10, the other report is an amount of $40 opened 4/1/2009 on top of that RADIOLOGY ASSOCIATES with the listed address on the report is no longer in business. I have no idea where or what these could be; does anyone else know? Lastly: AARGON AGNCY reporting $12,870 on behalf of RMI Management LLC. the original date opened is not provided but it does have the "last updated" date as 11/1/2008. I don't even know what to say about this one. Is this past the SOL since it is from 2008? Also, I believe that these would be racked up fees of some kind because I definitely did not borrow or get $12,870 worth of goods or services in any way shape or form. To make matters worse, when I asked the woman that called about the student loans where all the documents and notices had been sent as i have never one time received anything about these debts she told me that it was all being sent to an address in california that i have not lived at since 2004/2005. i have been constantly moving from one place to another and only now when i finally settled down and moved in with my fiancé do i have an actually address. I am really freaking out because we are about to get married and this bomb just exploded a few days ago. Clearly, I really need some freaking help. I do not know what to do at all and all of this is new to me and I just don't know where to start. I have been doing a ton of reading to become a little more knowledgable about credit and this whole process the past few days but I am just overwhelmed and do not know where to start. I was going to dispute the accounts that are obviously not mine as well as the ones that are out of business and the other ATT that is not in my name. HELP!!!!!!!!