I received an alert from XXXX XXXX that my credit score had changed on XX/XX/XXXX I went and looked to see what was going on, and XXXX XXXX 's site said that Allied Collections had negatively reported on both XXXX and XXXX. I went to  XXXX, and got copies of all my reports, though I was only able to get XXXX and XXXX, not XXXX due to an error on XXXX XXXX part of the site. I did n't recognize the company name, and I needed to see who it was that was negatively reporting. Apparently, Allied Collection Services opened a collections report on my  credit report onXX/XX/XXXX with the original creditor being XXXX XXXX. The balance on this debt is reported to be {$390.00}. I have no recollection of ever having had a loan with any company called XXXX XXXX, and so I called Allied Collections. Before calling I looked up both Allied and XXXX XXXX because I did n't know anything about either company. I told Allied that the company XXXX XXXX was not in any of my records and that after looking them up, I saw that they had no license in Virginia, so I did n't think it was possible to get a loan from them in Virginia. They were rude and told me that I had taken out the loan. I had no detail, and Allied told me that the opened inXX/XX/XXXX. I told them that it was unlikely that I took out the loan inXX/XX/XXXX because I went through bankruptcy that same year. They did n't specify the timeframe, but I have no records of having taken out any loan, and nothing except my bankruptcies are on my credit report from that time. The entry by Allied on my credit report is also confusing, because it comes up as being an open account and being a closed account, and it says the account was opened in XX/XX/XXXX which is the month they filed it on my credit. I told them that maybe they mixed me up with someone else. Since that time, I have been married and changed my name, but they insisted that it did n't matter it also did n't matter that the loan might not have been legal. They said that I got the money on my account, and it so I had to pay it back. They told me it was my debt and had to pay for it. I asked why I had never gotten any notification in the last six years about having this debt or owing on any debt. I also told them that prior to putting it on my credit, I never received anything from Allied either in writing or by email or letter that I ever owed anything. I have never got an email that I can remember from either of the companies about any monies owed to them. But yet they have all my information to contact me at any time, and never did so. I called XXXX XXXX, and they had my email and my address from that time, but I told them that I had never received any calls for emails from them the whole time I supposedly had this loan. They just hung up on me, because they did n't say whether they were licensed in Virginia when I asked, they just got angry said they had been doing lots of loans in Virginia ( not whether they had a license to do so ) and then hung up on me. I was never actually contacted about this debt. If I had n't had an alert about my credit, I would not have known for some time that they were negatively reporting, especially since they had not tried to collect the entire six years since they said they loan was taken out. After talking to an advocate and searching online, I was also told that because I still have the bank account I had back then, I likely did n't get out of any loan by closing my account. I do n't know what to do to stop this from negatively affecting me when I did n't have a loan from XXXX XXXX