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Debt is not yours. Merchants Credit Bureau, Inc.claims that I owe {$2200.00} that was belong to XXXX XXXX XXXX XXXX , XXXX, a landlord that once I was renting an apartment from. Merchants Credit Bureau , Inc sent me a list of maintenance charges that XXXX XXXX XXXX XXXX , XXXX ( their client ) believes that I caused them. I don't agree with those maintenance charges and they lack any evidence. They have added a collection activity to my credit file and caused my credit score to go down.