Went through the forum and found it informative but need some personal experience in my case. I have the same name as my father (he is Sr. I am Jr.). I had nasty credit in the past but have tried to improve in the last few years. But now I have huge medical bills on my report about $45000 that I had no idea. I sent a validation request. It came back verified with a hospital bill with a signature I recognized as my father's. But I am a permanent resident of CA for 5 years and my parents are in NY. What can I do now? How do I prove that the debt is not mine? It is spoiling all the hard work I have done to improve my credit records.