Product: Debt collection

XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX XXXX - Fraud Management Cellphone Dear FCC XXXX XXXX In early XXXX I opened an account with XXXX for XXXX phone line at {$80.00} a month when I was living in a XXXXhouse in XXXX, XXXX. Soon after that I moved back home to XXXX where I was born and raised. It was either the XXXX or 3rd bill from when I originally opened the account when I realized that there were XXXX new phones and phone lines bought and opened on my account with a $ XXXX {$700.00} bill which obviously drew up red flags for me. So I call XXXX to let them know that I did n't authorize these charges and confirmed with them that No one else except for myself is authorized to make these decisions for my own cell phone account, which is common procedure. As it turns out someone with the email beginning with XXXX was responsible for this. The email I gave XXXX when I signed up was XXXXXXXXXXXX or maybe it was an older email but it said XXXX in it like my name and is written on the original contract. Immediately I knew that it was this guy, XXXX XXXX, who lived in the XXXX house with me in XXXX who is from XXXX, XXXX and moved back home to XXXX around the same time as I moved home. XXXX XXXX had been in jail for theft and other related issues and was a common XXXX and XXXX. He must have gone through my phone and emails and created a false online sign on which I had n't gotten around to yet being that it was so early in the contract. He also created passwords that obviously I did n't know and because of this they would n't give me much information nor would they allow me to close out the account or freeze the account or anything which in turn kept racking up more charges. I told them from the beginning that I would pay my bill for my XXXX phone but they told me they wanted full payment and that they did not consider this to be fraud because the guy had passwords that I did not have. I also told them I have a police report for the incident but they did not want a copy from me. So with life being busy life moved on. I disputed it through the credit Bureaus several times and every time I won the dispute, XXXX would send the false debt to a new collections agency with a new open date against my credit which in turn has destroyed my credit which at a young age I knew the importance of credit since my mother was a XXXX so I had a credit score of around XXXX at the time. Since then I have n't been able to rent anywhere or get any sort of loan or anything. My lifestyle changed drastically because of this and it has ruined many good opportunities for me since my credit was severely impacted every time they sent it to another collections agency after each time I won a dispute. XXXX fraud management told me they would n't investigate this from the very beginning. Well in XXXX of XXXX I contacted them again trying to resolve the issue and the lady told me that they had already investigated this twice and that they would n't investigate it again. I told her that 's a lie because they told me they would n't investigate it in the first place because they did n't consider this a fraud issue. I got ahold of a supervisor and told her how I have this police report from when it first happened and because of this she agreed to investigate the claim this time. A couple days later or so they call back and tell me that their investigation shows that I have family living at the address in XXXX XXXX and therefore I am responsible for the charges. This was a bold faced lie and an outright desperate attempt. I have never been to XXXX XXXX or anywhere near it and no XXXX in my entire family ever has. I then stated that I wanted copies of the paperwork they have proving these allegations and of course they could provide any such documents. Cont. in next section..