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Information belongs to someone else. I did not authorize or open SELFHELP, this account is a fraud. This is a clear case of identity theft, and you do not have my consent to use my personal information, including my SSN. The lack of a signed contract or agreement further proves that this collection is fraudulent. Under 15 U.S.C. 1666b, 15 U.S.C. 1692g, and 15 U.S.C. 1692k, I demand that this account be removed from my credit report immediately. **SBNASELFLNDR** Status : Closed, Paid Original balance : {$720.00} Late Payments : XX/XX/2022 ( 30 days ), XX/XX/2022 ( 60 days ) Violation : The reporting of late payments violates 15 USC 1681e ( b ) and 15 USC 1681c-2 . There is no proof provided that payments were made. Please remove late payments immediately. DELETE THE ACCOUNT OR REMOVE