If this is true, you have both a lawsuit against the original creditor (fraud or negligence), the collection agency (violation of the FDCPA), as well as TransUnion (FCRA violation). Most lawyers will take this pro bono if you can prove with any level of intelligence that you don't owe the original debt. Take advantage of this! I've known people who've easily collected 50k between the supposed original creditor, collection agency, and moronic credit reporting agencies like TransUnion...and that's after attorney's fees. Should you feed into litigious america? I'd normally say no, but fuck that, big corporation needs to learn not to mess with consumers.