It can happen on two fronts.
Either a legitimate company makes a mistake or a schemer is simply looking for ways to access your pocketbook.
We got a complaint about a company called NCO Financial Systems.
The company reportedly calls victims daily asking for repayment for a debt they don't owe.
In fact, the Federal Trade Commission fined NCO $.5 million for reporting inaccurate information to credit bureaus.
http://www.digtriad.com/news/features/article.aspx?storyid=117918&catid=216