Product: Debt collection

To Whom it may concern, I received a call from a company " Elavon '' on XXXX/XXXX/XXXX stating that I had a merchant account for XXXX XXXX I told the person on the phone it was n't me, his name is XXXX XXXX, he said he figured that since the information they used was old information and a number that was n't mine, they had to track down my number. He said he was sending me an email with a form to fill out to report with them that it was fraud, he asked for my email. He said he will stop the transactions from going through, I said good. I received the form, it was asking me for all my current information, social etc, I asked a friend of mine who is over XXXX XXXX XXXX and they said do not fill out that form, so I did n't. Especially when the form told me not to report anything to any government agencies. I looked at my credit report and seen that on XXXX/XXXX/XXXX Elavon did pull my credit. I figured, well, I did n't do it nor fill out any paperwork and I especially was n't going to provide that company with my personal information so I was going to ignore them. 

I heard not too long after that that XXXX had a data breach, I went to their site and it confirmed I was one of the victims, the breach happened between XXXX XXXX XXXX XXXX which was around the time of the fraud. 

I then get another credit inquiry from them on XXXX/XXXX/XXXX that was un authorized, they already know in the system that I reported that was fraud and wasnt me, they even agreed that it wasnt as the information that was used was old information yet they illegally pulled my credit, I was furious and called them, I spoke to a lady for some time that reassured me it was necessary to do that so they could deem the account as fraud and had XXXX XXXX call me that next week to tell me he needed me to fill out that form or they will go after me, I said, I thought you stopped those funds and you ca n't go after me when you know it was n't me, I said you had to look all my information up just to get hold of me and that he needed to leave me alone, he said they will continue to pursue me. I explained that it was n't legal to do so, it was n't me, it was n't even correct information and that he needed to stop and hung up. 

On XXXX/XXXX/XXXX I get a letter from XXXX XXXX, in house counsel Acct # XXXX asking for {$7100.00}. I can not believe that in two weeks, this company allowed a fraud account to be opened without checking any of the information out, asking for print copies of ID 's or Social Security and charge up that much. You ca n't even usually get funds from a merchant account in that time frame so I do n't get it, especially you have to track down my real number, call me to verify before giving out those funds and I said it was n't me and to cancel those transactions which you said you were doing. 

Attached is the letter and the copy of the information sheet they tried to get me to sign, please help. not only has this affected my credit making my financial situation difficult by lowering my score so I ca n't refinance my home which I am in dire need of but they are still illegally pulling my credit. I already ca n't refinance my home which is needed so it will most likely cost me a {$300000.00} home. 


Account Company : XXXX XXXX XXXX XXXX Investigative Analyst XXXX Elavon | Loss Prevention XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX. XXXX | XXXXXXXXXXXX Pulled my credit on these two dates : XXXX/XXXX/XXXX ELAVON XXXX XXXX, TN XXXX XXXX ELAVON, INC Date of request ( XXXX ) XXXX/XXXX/XXXX - Options XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX