I hold XXXX XXXX XXXX fully responsible for this deragotory collections on my credit report. They failed to provide proof of this debt and accepted a FRAUD/SCAM and placed it on my credit report. 

I did not get a loan or any money from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a SCAM/FRAUD... 

So on XXXX XXXX, XXXX, I always check my credit report daily and discovered with... XXXX : a Collections Item : " Collector : XXXX XXXX {$720.00} "? & Transunion '' A Collection Item : XXXX XXXX XXXX XXXX {$720.00}, plus the collections company XXXX XXXX XXXX is responsible for placing this FALSE DEROGATORY ACCOUNT on my credit report. 

This is the information I have found on XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX NY XXXX, XXXX : XXXX : XXXX, Phone : ( XXXX ) XXXX, ( XXXX ) XXXX Email : XXXXXXXXXXXX... Additional Employees : No known Employees and the web site link does not work. I have called and no one answers. I am not able to get hold of anyone. 
1st. of all I have never heard of these companies XXXX XXXX XXXX XXXX associated with XXXX XXXX XXXX. 
2nd : Are n't I suppose to get some bill statement, any information, letter sent to me by mail, email saying I owe this money to Riverside Payday Loans, stating I need to make payments to them or they will turn it over to a Collections Agency. There has been no communication from XXXX, XXXX XXXX XXXX and no communication from XXXX XXXX XXXX. 
I have never received anything prior paperwork, notices to my mailbox, email, no bill statements, no notices, no letters, no paperwork about a debt owed {$720.00} to XXXX XXXX XXXX. I do not know who they are. I have never dealt with them. I did not borrow any money from them. I have no association with them. I have not dealt with the original creditor or the 3rd party collection agency. 
I called XXXX XXXX XXXX to report it has " FRAUD ", XXXX that work there told me she wuld place it as FRAUD : plus I ask her who is XXXX XXXX XXXX XXXX. She told me they deposit {$300.00} back XXXX XXXX into a XXXX XXXX XXXX acct # : I do not have that checking acct with XXXX & XXXX I repeat, I did not open an account with XXXX back XXXX XXXX. I did not receive any money from them. However the credit report shows I open the account XXXX XXXX yet XXXX at XXXX XXXX XXXX says it was XXXX XXXX. I am getting different answers. 
I have called/contacted today Tuesday, XXXX XXXX, XXXX over at XXXX XXXX XXXX, spoke to XXXX and XXXX, to report FRAUD on this collection debt " XXXX {$720.00} ". They assured me it will be removed from my credit report and shown as a FRAUD. I will hold them to their word and hopes I do not have to file a lawsuit against them for allowing this SCAM COMPANY Riverside XXXX XXXX and Associates to do such a dishonest act and at XXXX XXXX XXXX would place it on my credit report without my consent. This is FRAUD... I have placed a FRAUD ALERT WITH ALL XXXX-CREDIT BUREAUS AS OF TODAY, WEDNESDAY XXXX XXXX, XXXX, FRAUD ALERT ON : Service Payday Loan associated with XXXX XXXX XXXX, and XXXX XXXX XXXX Desired Settlement : I want this removed from my credit report in the 30 days or I will be filing a lawsuit against both companies : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.