<prompt> Human: Hi all, sorry in advance for the wall of text,Recently I requested a modest credit limit increase for one of my credit cards. My credit history is fairly young but my score isnt bad and Ive been building it diligently for some time. I was surprised to receive a letter from my card company informing me that my limit would not be increased due to the presence of a serious delinquency listed on my Equifax Credit Report.I checked my Equifax report and, sure enough, theres an 1,800 account in collections reported by Midwest Recovery Systems noted as medical. I have not received any communication from them whatsoever. I looked up a phone number and called in to ask why there was a debt in collections hurting my credit history. Without providing them with any information beforehand, the representative, Ulysses, knew my name, birth date, and address. He then informed me that the debt was for an ER visit at Thibodaux Regional Medical Center in 2014. He then told me that the individual who had incurred said debt was uNotFinnegansWake317.I informed Ulysses that this wasnt my debt as Ive never been to that hospital or any other hospital Louisiana, and further, that my name was not the one he had just provided to me. Ulysses then tried various slight of hand tricks to get me to acknowledge this debt which wasnt mine such as: claiming uNotFinnegansWake317 was my daughter I dont have a daughter, claiming that I had already tried to pay this debt I had not he then listed a 70 Debt I had paid after it had gone to collections due to a misunderstanding with my insurance company last year and said that was related to this completely separate incidents in different states.I called Thibodaux Regional Medical Center who told me they did not have me listed as ever being a patient there or being listed in their billing system. I called their Physicians Association who told me the same thing. Both parties told me they dont even work with Midwest Recovery Systems.I know I need to send a debt validation letter within 30 days and dispute the debt with Equifax, but I never received a letter from Midwest Recovery Systems informing me that collections were going to take place. Any advice is appreciated, this is new to me and kind of overwhelming.  <response>: 25 of credit reports have errors. Youre not alone! 