<prompt> Human: I noted a derogatory mark on my credit report the other day and upon some investigation found out that its my brothers medical debt that was sent to collections. Im not entirely sure of how, but even though he was the patient and his insurance covered the cost of the blood work the debt was sent to me.The collections agency says that I just need to send a letter requesting a name change on the debt assigning it to my brother, but Im wondering if there are any additional steps I need to take to rectify the issue quickly. My score took a huge ding and Im hoping to start renting soon and Im in the middle of the security clearance process. My parents say that I may have grounds to sue, but Im not so sure.Assistant: Do not under any circumstances request a name change on the debt. If you do, thats proof that you are accepting the debt. Human: I thought that requesting a name change meant that Im rejecting the debt?  <response>: Your stance should be Its not my debt. Im not associated with it. I cant request modifications to it... because its not mine. It should be the same thing as if your debt showed on my credit report. I dunno anything about it. Its not associated with me. Its your responsibility to take it off.By filing paperwork that says you have control over it, you may be accepting the debt as something you owe. This is probably some kind of trap from the collections agency.If the letter just says This is not my debt. then thats fine. Pretend this was a random strangers debt, and you knew nothing about it. What would you do? Do that. 