Harmony Law recently took on a debt collector who listing a third party's debt on someone else's credit report. The debt collector knew that the person had a connection to the third party and apparently hoped that the person would pay off the debt to keep his credit report clean and FICO score high. The debt collector ignored all attempts by the consumer to have the debt removed. Harmony Law filed a civil action against the debt collector. Soon thereafter, the debt collector removed the debt from the consumer's credit report. Since it was a potential violation of the Fair Credit Reporting Act, there was no cost to the consumer.