I went to get financing on a new home and received a copy of credit reports and found a 130 point drop. It seems that someone with the same last name as me (but not the first name) had service with Charter Bright House in Florida in 2014 and ran up over $800 bill and ran off with the equipment. Charter (now Spectrum) gave the account to Waypoint Resource for collection. Instead of trying to collect from me (don't know how they would anyway, I was never a customer of Charter)they somehow randomly put this against my credit report. I was in the 800s. Now my score is in the 600s. I have spent countless hours talking with people at Spectrum and they all just pass the buck, say "fill out the ID theft forms" and wait. I have also filed phone and paper disputes with Equifax, Experian and TransUnion and they say I should just wait and see. In the meantime I may miss out on getting a new home. I would love to know how to get past Spectrum's customer service and fraud department and actually get someone who can help.