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Debt is not yours. To Whom It May Concern, I am beyond frustrated and deeply unsettled. I recently discovered a debt on my credit report that I have no knowledge of and never authorized. I did not open this account, yet I am now being harassed from multiple directions with threats of legal action for something I have absolutely no connection to. This situation is not just unfair, it is a violation of my consumer rights. As someone who has always acted responsibly, I find it incredibly insulting to be treated as if Ive done something wrong. The constant calls, messages, and pressure have affected my mental health and caused countless sleepless nights.