Product: Credit reporting, credit repair services, or other personal consumer reports

hi my name is XXXX XXXX i was contacted by southwest credit system account # XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX in XXXX XXXX regarding a past due balance of XXXX from XXXX they give an address for XXXX XXXX XXXX XXXX and an address somewhere in massachusetts which i never lived at nor associated with i explained to them ive been a victim of identity theft for the past 5 years, my bank account had even been hacked where someone would order my bank card to an address in XXXX which is XXXX XXXX XXXX XXXX which i never was associated with they informed if i had any proof that my identity was stolen i said no other then the complaint i had to file with my bank. she told me XXXX would mail me a paper that i had to file and send it back to XXXX with some type of proof i am who i say i am which i did, when i contacted them again and they told me this time i had to email them all my documents to an email for them to view it which i did when i called they told me theres nothing they can do, i told them ill call XXXX, when i called XXXX i asked them how did they start a service on my name with no identification they told me because its not mandatory with them to get an ID i said well that wasnt me ive been with my husband for 6 years now and we have XXXX and its always been on his name we pay it on time consistently and we love fhe service but definitely wasnt me. this fraud has done so much impact to my life ive had to put a very high security on my bank account, credit file and now im in fhe process of buying a house and im forced to pay XXXX more on my loan because my credit score dropped and points was assessed causing me to put more money down, i mean XXXX $ more my loan originator XXXX XXXX XXXX XXXX NMLS # XXXX said this brought my credit down by 100 points which is below 620 nowC im just so stress over this fhe only debt i hsve is school loans and my credit cards which is in good balance other then that i have no problems paying my bills. ive gone to the police city of XXXX XXXX to make a report they told me they cant i would have to file with the companies i just finished XXXX school this month and im graduating next year XXXX and then going to do my bachelors program i cant because the school i want to go to is far and i cant finance a car with my nee credit score i cant believe that south west credit system and XXXX treat people like that they are unwilling to solve a problem, i told my husband XXXX XXXX as soon as were able to buy a house next year were canceling the XXXX  service weve had for 6 years because their consumer practice is unfair. uncaring weve always paid our bills one who make sure the bills get paid and who would of thought ill be a victim of identify fraud even when i move i never change my address my address has always been XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX and my bill always and still under my husbands name. its sad how these companys want to profit off someone misery when its a very simple verifiable information they can just search to see but know they rather tell you pay it, paying it is like admitting to a guilt why would anyone admit to something they didnt do? then that would blackmail the scammer to keep doing it