Several months ago difficult child lost her phone yet again. I can't recall the details. She loses her phone alot. She works out deals with us. She'll do bookkeeping for my husband and get another one eventually. As is often the case with these things (I'm preoccupied lately), I'm fuzzy on some of the details. I think there was a delay in her getting a new phone... So, apparently she bought a "go phone" at a store and then went to a phone service place and signed up and didn't tell us. She presented (get this) her drivers license and bus pass as credit to sign up for the service and they accepted this. difficult child has a driver's license but doesn't use it. She was given credit. She lost the phone. We never knew any of this took place. She worked for husband...got her phone ( a different one) through us...plus sign up...she's been using that one successfully ever since. Now, creditors are after difficult child. She said the last call they made to her was nasty. She called today upset. Tells us the story about the phone we never knew about that she bought on her own on credit and forgot about. She is in a panic and when we get a chance we make some calls. The store said that difficult child applied for phone service, they did an Equifax credit report, she passed and they gave her the service on credit. She has one cent in her account and that is for the most part her balance. She was given credit based on "good credit." What in the world? She has no job, no credit card, no home, no references, no balance and is on disability. The report is not believable. So, we are baffled. We are trying to get the balance eliminated or reduced...so far no luck. difficult child says she is willing to pay off the balance and work for husband for as long as it takes. She'll have to work a loooong time. If it were reduced...more do-able. Otherwise...might have to just let it go...difficult child will have to live with any consequences. However, husband is thinking of contacting an attorney. He is concerned about fraud. We are concerned primarily about the following... Could difficult child have credit? Could that Equifax report be "real?" That would be shocking and SCARY!!!!!!!!!! Impulsivity still rears its ugly head now and again and if difficult child figures out that she has "credit" then she might be buying cars soon! Also, can we get Equifax to stop this bogus reporting? Is that likely what happened here? If not, is it going to take an attorney to make sure it doesn't happen again? What is the consequence of difficult child not paying this type of bill? Its ashame. Interesting news: husband just got back from the store. Words from the manager "We'll sell phones to anyone who can breathe with- a ss #. husband pointed to bum laying in street out the window...would you sell a phone to him...and he said "yes.""