Hey there!
I would just call one of the credit unions, like TransUnion or Experian, and they will be able to tell you to whom the debt is owed.
I had a late payment pop-up from nowhere on my credit report, and Experian was able to isolate which account it was showing up on even though the account had been closed for four years. There was a simple clerical error I had to fix.
Speaking with the credit union was beneficial for me. I would just call and say you believe there may be a fraudulent expense or an error in reporting, and they will be able to point you in the right direction.
Have a great day!
