[mishy_me]

Hi
I'm needing some advice on disputing items on my credit file. I am in Ontario, Canada.

There is one credit collection company that has 2 items on my credit file. They are for 2 payday loan places. I have never taken a loan, however I was at one of these places to use western union. When I called the agency and gave my information, they confirmed my SIN and DOB however the name is partially my name, and partially not. The last name consists of 2 names, one mine and one not mine.
I had a 3rd company reporting a like item, I requested the contract and it was under the same name (which is not mine) and I successfully disputed the item off my report.
The company that has the other 2 on there, will not send me the original contracts. I requested this both from the collection company, the head office of both of the payday loan places, as well as the direct stores that the loans supposedly took place (when I called the head office of the companies they gave me the phone numbers and the addresses of the actual stores). These 2 companies, as well as the collection company do not have the contracts.
I disputed the items with transunion, and they came back as being valid because they are confirming my DOB and SIN. I escalated this with transunion (which was a task in itself) and was advised that there was nothing that they could do.
I'm not understanding how I can be held liable for something that is not in my name. Or where there is no contract for the supposed funds that were 'borrowed'.
The collection company has now stopped communicating with me (funny how that works) and I seem to be at a stand still with this.

I was told that I should go to the police to report identity theft. Both of these 2 debts are dating back to 2007 (according to the head office of both of these companies) and there is no other indication that this is something that has continued. Can I go to the police to report a possible identify theft from 3+ years ago? Is it possible that someone with a SIN close to mine had it entered wrong?

If they are unable to provide contracts, can they continue to report this on my file since they can not confirm that there was an agreement?

I know that if they were to send me the contracts, it would show the name and signature of a different person (same as the one that I successfully disputed).

Any suggestions on what my next steps should be?