I just got a ding on my credit report from a collections agency that claims I have an outstanding Verizon bill from a phone number in Hackensack, NJ. I have never even been to NJ, let alone lived in Hackensack long enough to have a phone number there.

Either they are confused or sleazy, or Verizon is confused or sleazy. Either way, it has produced a 20 point hit on my credit score.