How to Dispute an Error on Your Credit Report
How to Dispute an Error on Your Credit Report

***IMPORTANT NOTE: Please remember that Credit Karma is not a credit bureau. All of the credit report information you see comes straight from your TransUnion credit report. We cannot help you change the information you see on Credit Karma or dispute your credit report errors. In order to do so, you should first check your full credit report at AnnualCreditReport.com for more information.***


Credit report errors are not uncommon. In fact, some studies suggest that as many as 25 percent of credit reports could contain serious errors. Common credit report errors include outdated personal information, mistaken or fraudulent accounts, and incorrect account details.

If you believe there may be an error on your credit report, you have a right to dispute it with the credit bureau reporting the error. Here are some important steps to take as you dispute credit errors.


Step 1: Get your free credit reports.

You are entitled to receive one free copy of your credit report from each of the three bureaus (Equifax, Experian, and TransUnion) each year. Go to AnnualCreditReport.com to get your free credit reports. If you've already used up your free reports for the year, you can still gain access to them directly through the credit bureaus, but you'll have to pay a fee.

In some cases, the error may not be reported to all three credit bureaus. Check each credit report carefully to find out if this is the case. You only need to dispute the error with the bureau(s) reporting the incorrect information.


Step 2: Gather documentation supporting your dispute.

In order to dispute the error with the credit bureaus, you'll need proper documentation that supports your claim. For instance, if the year that you opened a mortgage account is being incorrectly reported, find documentation that proves when the mortgage was originated. Circle the error on your credit reports and make copies of your supporting documentation to send with your dispute letter.


Step 3: Draft a dispute letter.

This is the letter that you'll send to the bureaus reporting the mistake on your credit report. It's a good idea to dispute the error in writing and keep a copy for yourself. Send it certified and mark "return receipt requested" so that you'll have a record of the credit bureau receiving it. Follow the FTC's guidelines for properly formulating your dispute letter. In your letter, include your supporting documents as well as the credit report with the error clearly marked.


Step 4: Wait, then follow up on your dispute.

The credit bureau is required to investigate your dispute and will usually do so within 30 days of receiving notification of the dispute. The bureau will also send any information about the inaccuracy to the company or organization that provided the information, such as your credit card issuer or mortgage lender. The company will then investigate the dispute and report back to the credit bureau.

If your dispute is successful, the company is required to notify all three credit bureaus. The credit bureau also has to report the results back to you and include a free copy of your credit report if there was a change made on it due to the investigation.

If you haven't heard back about your dispute after a month, contact the credit bureau to follow up.


What to do if your dispute didn't work.

Your dispute may not result in a corrected credit report. A 2005 report on Credit Reporting Literacy showed that, in one survey, only 69 percent of credit error disputes resulted in the item's removal from credit reports. If your dispute isn't satisfied, it's due to one of the following:

The disputed item wasn't erroneous. If this is the case, you'll be unable to dispute the error further. You cannot remove correct information from your credit report, even if a credit repair agency claims that you can.

The credit bureau claims the item isn't erroneous, but you have proof otherwise. In this scenario, you have an alternative way of disputing, thanks to legislation put in place by the FTC in 2009. Instead of repeating your dispute to the credit bureau, go directly to the furnisher of the line of credit to perform what is called a "direct dispute." For instance, if the error is a misreported late credit card payment, you would submit a new dispute letter to the credit card issuer, including the following information:

  • Identifying information - Include your full name and account number.
  • The purpose of your dispute - Be clear about what you are disputing and why.
  • Documentation that supports your dispute - Send copies of original documents that can prove that you paid an account on time, such as your credit card statement.

Send your dispute to an address designated for consumer complaints. If there isn't one provided, send it to the company's mailing address. Make sure to keep a copy of all the information that you send, and just like your original dispute letter, send it by certified mail, marked "return receipt requested." The company is required to investigate your dispute. If they refuse to dispute your claim, you may be allowed to take legal action. Read more at the FTC's website.


Conclusion

It's important to dispute incorrect information on your credit report because it can have an impact on your credit score and financial future. To ensure that your credit report remains clear of errors in the future, monitor your credit daily at CreditKarma.com.


All Comments
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Helpful to 823 out of 1094 people

I cannot dispute something if I don't know what it is; all I am asking is for you to tell me what it is.

Comment by
Jgross42

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833 People Helped
Helpful to 280 out of 373 people

Yea, I have something on my credit report and all I see is the law office...in collections...I have no idea who this is. I was alerted through an account that was set up for me after a medical facility had been broken into so if anything changed on my credit report I would know it. Well, it alerted me, but who is this? How can I see who is on my credit report causing me problems without paying an arm and a leg to someone. This is MY information...I should have TOTAL access and see everything...everyone else seems to...where do I go for help?

Reply by
51Rats

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280 People Helped
Helpful to 134 out of 192 people

call the law office i have consumers collection agents check my credit they have no reason to check

on me and report my credit i have no dealings with them.you would think the credit reporting agency

like trans union should check befoe giveing you neg remark. good luck on your problem if you do nothing they will sue you go in your checking acct and take your money.a pay day loan co. i never took out a loan took my money out of my checking acct because of my name was the same as some one eles.they did not  check address soc security number ect i got my money back with exp over draft fee i was late on my bills ect.dont let it go call the ftc.

Reply by
taximan43

6 Contributions
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Helpful to 19 out of 26 people

I do not remember this account     please let me know something

Reply by
myhome123

2 Contributions
32 People Helped
Helpful to 4 out of 5 people

I agree with you. I finally got to dispute an entry in my my credit reports. After two investigation CSC reported that the claim was not valid. Equifax and Trans union credit reporting agency removed the false claim experian removed it also, however the collection agency refilled and experian added it to my credit report. It is illegal for the credit agency to refill. I filled a report with the FTC. Just waiting for the FTC to investigate the collection agency and experian.

The way the three major credit reporting agency are presently operating their credit reporting is  structured for the business community and not the consumer. Keep after them. If your not satisfied write to the FTC. I received an apply from them in less than 24 hours. GOOD LUCK

Reply by
jp2020

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4 People Helped
Helpful to 1 out of 1 people

so if something is in collection, how do you figure out what it is that you owe on?

Reply by
chrisg527

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Helpful to 1 out of 1 people

wha is it ??????????

Reply by
cjh39

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Helpful to 1 out of 1 people

How can dispute student loans that you never had???

Reply by
tll63

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Helpful to 1 out of 1 people

How do you dispute something that you know nothing about,it's not mine,never had it..!

Reply by
tll63

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2 People Helped
Helpful to 1 out of 1 people

Amen!  I have NO idea what FIVE debts in collection are. 

Reply by
CaptainRat50

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Helpful to 1 out of 1 people

focus  mgmt  for 75.00  what is this for

Reply by
ejwgolf

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Helpful to 1 out of 1 people

Contact the credit reporting agencies and have an alert placed on your reports as well as request that the information be removed.

Reply by
Cynnamin

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Helpful to 1 out of 1 people

DEMAND the credit retention center to provide you with the hard copy with your name signed on the bottom or immediately delete the issue.......send it by return receipty requested mail through the post office.....they have 30 days only to respond or you can file a complaint with the FEDERAL TRADE CIOMMISSION............that will get their attention.

Top Contributor

Reply by
desertboatman

25 Contributions
456 People Helped
Helpful to 1 out of 1 people

To begin, CreditKarma is just kinda a summary of all credit issues; they give you the heads up about issues but it's up to you to do the leg work...meaning find out who the company is and how to contact them.  If it is showing up on CreditKarma then it's time to get your free credit report from freecreditreport.com.  The FULL information about CME will be provided on the reports (mailing address, phone number, account information, etc.).  You will be able to contact them then.  If this is new and you've already gotten your free credit report for the year, then do a google search and see if you can find demographics for CME that way. 

Reply by
pokedbear

8 Contributions
166 People Helped
Helpful to 1 out of 1 people

The IRS put a tax lien on me, my assets, and my soul, but it was due to an error on their behalf.  I finally got the right documentation to the right person in the system and the whole deal was dropped AND they sent me a check for over $7,600 for money that they had taken from me for the past 3 years.  My problem is that the tax lien still shows up.  Why should it be on my public records when i prove that the whole deal was an error on their behalf?

Reply by
jrice123

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1 Person Helped
Helpful to 1 out of 1 people

get a lawyer

Reply by
mizbeautiful

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Helpful to 1 out of 1 people

exactly such as court judgments that you were not notified of, are erroneous and should have never been filed in the first place. Bogus!

Reply by
billionairepaper

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Helpful to 4 out of 6 people

Yes you can... Dispute it and say I don't know what it is...

Reply by
melissaprobs

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4 People Helped
Helpful to 4 out of 6 people

Any lluck?? I am having the SAME roblem!! Ive googled the company name they gave and called everyone possible and no luck! Im stuck not knowing what the heck this is!

Reply by
dancewithadiva

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4 People Helped
Helpful to 4 out of 6 people

send me a copy i cannot dispute something i dont nothing about.

Reply by
1997nicola

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4 People Helped
Helpful to 2 out of 3 people

I dont know who this company is and never heard of them.

Reply by
mayowa02

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Helpful to 2 out of 3 people

no they own  me.

Reply by
hassfat

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Helpful to 5 out of 8 people

I am not necessarily disputing anything.  I need to know what is CME Financial and how to I contact them?

Reply by
Bridgitt

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Helpful to 3 out of 5 people

If youre out of work and disabled I would certainly stop paying them, I repeat I would STOP PAYING THEM, and file for bankruptcy protection.  That's exactly what bankruptcy is for is people in your position.  Use the payment money for your attorney and send in "do not Contact" letters to your creditors they will not be able to legally call you anymore, and if they do you can sue them for compensation.  Do not worry about your credit scores it's all BS anyway, plus it is my opinion that if a person is only getting $844 a month you should not have credit of any form.  Annnnnd your credit score will actually improve if you are not upside down on all your accounts.  As proof I went from a 580 to 640 within a couple months. ( Less than a year I got a 14,000 car loan and I will be able to buy a house after 2 years coming up in a few months)  Then if you need a credit card try Orchard bank and Capital one.  They both have high risk low balance cards.

Reply by
stewaybe

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3 People Helped
Helpful to 3 out of 5 people

i would like to dispute most items if i may how can i go by doing so

Reply by
oct23

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3 People Helped
Helpful to 3 out of 5 people

I do not know what this item is please inform me my mail so i can take care of this matter

Reply by
garyop

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3 People Helped
Helpful to 1 out of 2 people

I'm having the same problem

Reply by
kenan

5 Contributions
60 People Helped
Helpful to 1 out of 2 people

I dont hAVE A clue what my credit issues are or dept are from ive been in prison my whole life. please tell me what it is i owe for

Reply by
1clavo

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1 Person Helped
Helpful to 1 out of 2 people

so what is it ! I have no imfomation ?

Reply by
wetdawg

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Helpful to 1 out of 2 people

I DO NOT have any Court Judgements against me!!  This is again, my son. David Plessinger. Same name but different age & Social Security number. Just like that bankruptcy on April 15,2005

Reply by
Wooliebear

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Helpful to 1 out of 2 people

INQUIRIES COMING IN I DON'T KNOW AND NEVER HEARD OF

Reply by
MAMMY9

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Helpful to 1 out of 2 people

I don't know this company and never had a credit card w/ them..I make my payments on time and owe very little.. Why does my score keep going down ? wendy levy wendyarleen@gmail.com

Reply by
wendyal

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1 Person Helped
Helpful to 1 out of 2 people

i never had a account  such as escalate that is not my account

Reply by
butter07

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1 Person Helped
Helpful to 1 out of 2 people

 AnnualCreditReport.com can telll you more and have numbers for you to call

Reply by
Banga414

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1 Person Helped

You can get the number from the creditor on your report. Call them and request before u pay anything u want a final bill explaining what and who u owe and for amount. U can do a leter or u cqn dispute it online yourself.  I did and my credit scores are slwoly climbing.... cheqaper to dispute yourself!  Good Luck

Reply by
aliciaj47

1 Contribution
0 People Helped

is it collection? if so look at name of the original company debt was owed to, then google company name find any info and call them, let them know what going on. I had this crisis, had 3 accounts in collections from oklahoma, even though im from texas... also call the credit bureas

Reply by
helpfulblackguy

1 Contribution
0 People Helped

what is this

Reply by
mniekrasz

2 Contributions
0 People Helped

I nned to no how can i diputed the imformation that on my Credit report.

Reply by
kbruno23

1 Contribution
0 People Helped

Im having the same problem! In the past you could get that info. Mybe they want you to pay now or the ready info. is jutst too convienient.

Reply by
Classiebird

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0 People Helped

AGREED!!!

Reply by
rammjr

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0 People Helped

I worked at a company that removes bad marks from your credit report. The best thing to do is to dispute the negative wether you know what it is or not. Do it through the mail to all 3 credit reporting bureaus, TransUnion, Equifax, and Experian. Google the addresses. Do not call any Company or Collection agency. Dispute through all 3 bureaus and they will send you in return a complete copy of your credit report including any negative that may have been removed and the ones still reporting with information on what they are reporting you for. Hope this helps.

Reply by
Rebecca537597

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0 People Helped

I know right!!!

Reply by
germanrob

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0 People Helped

This was very helpful, as 1 item on mt report I don't know what it is.

Reply by
Neekwa05

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0 People Helped

I TOTALLY AGREE! There are sso many "vageuly specific" info regarding EXACT contact info of said "reportee, lender, etc.

Reply by
Litephaze

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0 People Helped

am unabel to dispute when i dont know 

Reply by
vcarrasc

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0 People Helped

i need to know  whom thay are and how to reach them to get them off my credit report

Reply by
hojoe109

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0 People Helped

Exactly! If they are allowed to put it on my credit report, THEY should have to give details of what it is and IF THEY ARE THE ORIGINAL CREDITOR.

Reply by
Shuya71

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0 People Helped

Not helpful; at all.   Don't title a link as "Dispue A Report" when all it is, is information on HOW to duspoute a report.   Other credit companies may charge for their service, but when they post  alink onn how to dispute, it takes you right tot he page to file the dispute online

Reply by
Ksmcintyre74

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0 People Helped

it great to have a webside like creditkarma, is helful and full of sugestion

Reply by
monsineur

1 Contribution
0 People Helped

I do NOT haave credit cards and have not charge anything for years (except for Dell comouter which is the 2,000 credit line and it is current and always has been)!

Who is this company?

Reply by
Eastwood35

1 Contribution
0 People Helped

The

 credit for $64.00 from RKMNANDRKMN is not my credit never heard of this company . It seem to me that anyone can put any thing on your credit report ism sick of this.

Reply by
BIGBEN49

1 Contribution
0 People Helped

I didn't even know about the judgement until now when signing up with ck....The only and i mean only thing it can be is for school books for $71.00 back in 2007 I had got a bill for it and we were moving around that  time but I was on assistance back at that time and shouldn't have had to pay it....I'm not sure where to start on finding public records does anyone know if you can get public records on internet?and I do appreciate anyone's help as for the credit hits i think walmart hit 3 times not sure why and my daughter tried applying for a few without aking me if it was okay...I put a stop to that so that should get better....I have also been mistaken for another person with my same name for years now and a couple of things on my past reportsI thought may be another person same name as i

Reply by
workinonit2

1 Contribution
0 People Helped

I'm having an issue trying to dispute 2 medical bills from when I was 15 that on the documents that list the responsible party at the doctors office, it listed my mom.  Somehow they never got paid and ended up on my credit report instead of my moms.  I was under the impression that they can't report anything from when you're under 18.  And also like I said I have documentation from the doctors office that says my mom is the responsible party.  What do I do?

Reply by
ShoshanaLeah

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0 People Helped

i agree...how do i dispute something if i have no paper trail as to where it even began?

Reply by
Momilani11

6 Contributions
0 People Helped

i completely agree. How am i supposed to close something out, if i don't even know how to get in contact w the company that's saying i have a "credit card" or a "balance"?

Reply by
Momilani11

6 Contributions
0 People Helped

unaware of what is in collection action

Reply by
tiger1992

1 Contribution
0 People Helped

I don't know what this is

Reply by
Kommanderkoady

1 Contribution
0 People Helped

I seem to have a new account and it is in Collections.

Yet, I do not even know what the account is or who it is from.

Reply by
Cbear42

1 Contribution
0 People Helped

I paid one last montha and still it is on there.

Reply by
noodlesboots

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0 People Helped

I agree with you!  It makes we wonder if they are totally legitimate.

Reply by
allshowdogs

1 Contribution
0 People Helped

what is this debt??

Reply by
garbett

2 Contributions
0 People Helped

somebody got a hold of my ssi number an have been usin it to get stuff in my name so how do i get i fix

Reply by
yungmade

1 Contribution
0 People Helped

I cannot dispute something if I don't know what is is.  I am asking for you to tell me what it is

Reply by
dulari53

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0 People Helped

That's my problem too! I've never heard of the things on my credit report.

Reply by
gpollitt

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0 People Helped

what if  it's not mine

Reply by
crazyb419

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0 People Helped

This acount of the Judgement was paid in full /

Reply by
cache2118

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0 People Helped

i dont know what lis is thank you

Reply by
earnhardtfan2002

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0 People Helped

how do we know who it is?

Reply by
aqd

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0 People Helped

i say the same. i have soemthing showing went to collections and i have no idea who it is or what it is from. weird

Reply by
Olena808

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0 People Helped

can you show me every thing on my report please so i can see what everything is

Reply by
monk2jean

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0 People Helped

    i cannot let you know if the credit you listed for me or for someone else if i donot know what the creditor name is, i do know of this outstanding debt

Reply by
sisterlynn6

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0 People Helped

I need to disput something that says I am in collection and I have no Idea what it is  Please let me know

Reply by
brianjay77

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0 People Helped

Gave Vital info..then directed to another site that wants Credit #..Crap!!  already ID victum, and Feel Defrauded. SCREWED!  That sucks!

Reply by
Danski2112

1 Contribution
0 People Helped

its a judgement for an auto loan   i believe it was in 2003

Reply by
kamran4u

1 Contribution
0 People Helped

tell me what it is that I need to do and how

Reply by
linzette64

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0 People Helped

what the hell in correction amt due of 400 dollars who is this havent purchase  in over 5 yrs.

Reply by
hotladypp

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0 People Helped

My address has not changed.  It is still 10890 Assisi Wy.  Salinas, Ca., 93907

Reply by
sonyman1

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0 People Helped

I dispute all items on my credit report as of August 10, 2010, and the tax lien which was withdrawn by the State of Illinois because they can't get their business straight.  They notified me, they should have notified you, (Credit Bureau) but failed to do so.  Any tax lien on this account is a falsehood.  I have never failed to touch basis with neither IRS or the State of Illinois.  Perhaps someone should check them out.

Reply by
professor999

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hi i dont know what it is that is on my credit something for $800

Reply by
loki3751

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0 People Helped

Exactly!! I their telling me I have a new employer added to my credit, but the drop down where the information is suppose to be it says N/A. Seriously????

Reply by
str8sexi

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0 People Helped

I do not know who these people are putting marks against my credit.

Reply by
chris3916

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0 People Helped

You can call the collection agency that has the account for their clients number. If you are STILL having a problem finding out , pull your credit report once again and dispute the entry. That's what I did and it worked. If they do not respond in a certain amount of time it comes off your report.

Reply by
ecothers

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0 People Helped

You will need to obtain a copy of your Credit Report.  You may receive one free report annually under current federal law.

Reply by
TheUninvited1

2 Contributions
0 People Helped

I have a personal loan I'm stil paying for and it is in collections!

what to do now?

Reply by
stayle

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0 People Helped

I have been out of work march 22nd 2011 awaiting on diability.im living on 844.00 a mounth.Im do the very best i can on paying on these bills i pay35.00 they charge a late fee ive called on a few of these bills but i dont know what a few of these are.I have really tried to pay everyone.

Reply by
jdgilmore

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0 People Helped

wha is it

Reply by
watering1

2 Contributions
0 People Helped
Helpful to 2 out of 4 people

My lawyer and I have tried to fine out who I can pay this judgment to. the loan and judgment has been sold to mayn people and no noe knows who I should pay.

The Tax Lean has been paid I do not owe any Taxes

Reply by
7051bobby

2 Contributions
7 People Helped
Helpful to 3 out of 6 people

judgement

Reply by
phillyfixit

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3 People Helped
Helpful to 0 out of 1 people

i cannot dispute something if dont know what it is, All i am asking is for to tell me what it is.

Reply by
stugah

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Helpful to 0 out of 1 people

I don't know about any of the things that are in my credit report.

Reply by
misstinked

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Helpful to 0 out of 1 people

I don't know what these debt are, I think that this is a mistakes on my credit report,please look into it and if it is mines, I would like to know what it is, since my name is the same as my son thank you

Reply by
STPAUL200

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Helpful to 0 out of 1 people

I DO NOT KNOW WHAT IT IS , ALL IAM ASKING IS FOR YOU TO TELL ME WHO AND WHAT IT IS !

Reply by
zohilldo

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0 People Helped
Helpful to 0 out of 1 people

I have no out standing court procedures  if so what is it ?

Reply by
bgmo

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Helpful to 0 out of 1 people

have know clew what this is,help

Reply by
42100000

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0 People Helped
Helpful to 0 out of 1 people

ENHANCRCVRCO

$284

In Collections

MERCHANTSCOL

$67

In Collections

Thanks,

Reply by
cccccccccccccccccccccccccccccc

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Helpful to 0 out of 1 people

thank you

Reply by
jcooldukes

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Helpful to 0 out of 1 people

i naver open an account with armor systerm!

Reply by
angel19612345

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Helpful to 0 out of 1 people

i do not know what these are and has to be an error that mush be removed

Reply by
muchme

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0 People Helped
Helpful to 2 out of 6 people

you own state or federal taxes to IRS this is why the lean is on your report. Make sure you check to see which one you owe- the info should be listed on the report as well. Goodluck

Reply by
Rodcole12

1 Contribution
2 People Helped
Helpful to 212 out of 279 people

How can you dispute an account that you never opened - such as an auto loan? There would be no proof - just my word against whoever. Help? 

Comment by
wanagi12

1 Contribution
212 People Helped
Helpful to 366 out of 391 people

I used to dispute quite a bit of info on reports for my customers.  First obtain a copy of your credit report.  Next contact the company that is inacurrately reporting the information on your report (The address and phone number for each creditor should be under the section where they are reporting against you or towards the end of the credit report, depends on the reporting agency and system).  Finally send a copy of the report to the credit bureau reporting against you along with a letter outlining the problem.  Also send a copy of your identification in this case and send all of this registered mail.  The agency's name and address should be at the end of the report.

I am very experienced in these matters as I was in the mortgage / finance industries for about 11 years.  This process requires diligence and consistant follow up.  None of these people truly cares about your particular case no matter what they tell you as they see tens of thousands of these each year.

If you are unsure if you can take care of this process yourself please feel free to contact me at slapjackscott@gmail.com.  I would be happy to assist you in this process.  Send me an email with your contact info, credit issues, and any other pertinent information in regards to your case.  We will get everything worked out for you.  Regards.  Scott

Reply by
Puffer7

2 Contributions
378 People Helped
Helpful to 12 out of 15 people

I replied on how to do this below.  However if anyone needs help with this process feel free to contact me at slapjackscott@gmail.com.  We will work it out together.  Credit Karma will not help you to do this so everyone is posting comments expecting help in vain.

Reply by
Puffer7

2 Contributions
378 People Helped
Helpful to 2 out of 2 people

Just checked my report and there are some things on there that I know that I don't have or never even appled for.If there is someone who can help me to remove this from my report please......HELLLPPPPPPP!!!!!!!!!

Reply by
rondaddy10

1 Contribution
2 People Helped
Helpful to 57 out of 81 people

I work in the mortgage industry and have come across this many times. It is often a person with the same name and it has falsely been reported under you. You fill out a same name affidavit (for us anyway adn it excuses it) for crefdit inquiries and approcals) I am not sure how to dispute it.

Reply by
Boogee7925

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57 People Helped
Helpful to 13 out of 18 people

I do not have a bankrucpt in Jan 9 2011

Reply by
myhome123

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32 People Helped
Helpful to 7 out of 10 people

i do not have any outstanding auto loans with any bady me and wife gave back cars at the bankrucpt

Reply by
moyito

2 Contributions
11 People Helped
Helpful to 1 out of 1 people

You should check with Social Security, Drivers License, IRS. This happen to me, not with a car but I found out my identy was stolen. Facebool and all Social Networking can be blamed with this along with us as we put to much of our info out there for thieves to see

Reply by
rreeves5

4 Contributions
5 People Helped
Helpful to 1 out of 1 people

I have had the same thing happen to me and it is still on my credit report but doesn't have a name on it so that I can contact them. They are claiming that I got a loan from someone which I have never had a loan in my life!

I agree that they should be held accountable because of them my credit is poor from them doing that and also letting someone do a hard inquiry again without my knowledge or me even applying to that company again! Sheesh!

Pastor Darlene Kelly Legette

Reply by
gelaina13

2 Contributions
48 People Helped
Helpful to 1 out of 1 people

I DO NOT have a bankruptcy on April 15,2005.  That is my son,David Plessinger. differant age & Social Security number, but same name. Can't they tell us apart by age & S.S. number?

Reply by
Wooliebear

2 Contributions
2 People Helped
Helpful to 1 out of 1 people

I did not have a bankrucpt in Jan 9, 2011, How can I fnd out about this

Reply by
catstoys

1 Contribution
1 Person Helped
Helpful to 4 out of 6 people

my bankrucpt and my wife were done in 2004

Reply by
moyito

2 Contributions
11 People Helped
Helpful to 4 out of 6 people

I do not have an auto loan

Reply by
Donaldrholmes

1 Contribution
4 People Helped
Helpful to 2 out of 3 people

I hace NOTt file for Bankrucpt Jan 9, 2012, I have not idea were this info came from this is not me.

Reply by
Hooksettnh

1 Contribution
2 People Helped
Helpful to 1 out of 2 people

Call Credit Pros 1-877-235-0324 they can help. Only pay for items they fix on your credit! Plus they also offer "free" advise!!!

Top Contributor

Reply by
redguy411

225 Contributions
451 People Helped
Helpful to 1 out of 2 people

Call Credit Pros 1-877-235-0324 they can help. Only pay for items they fix on your credit! Plus they also offer "free" advise!!!

Top Contributor

Reply by
redguy411

225 Contributions
451 People Helped
Helpful to 1 out of 2 people

Stop lying and paY UP

Reply by
djflatrock74

1 Contribution
1 Person Helped

They need your signature to prove its you

Reply by
bigbar

1 Contribution
0 People Helped

you have to ask them to provide you with an itemized statement of the debt along with the original agreement where you agreed to the terms of service for whatever they are billing you for. They have 30days to do so if they can not they are required to close the account and return it to the original creditor and remove it from your credit. You also would file a fraud report with your local police department and provide the collection agency with that proof as well. Once you have done that the original creditor is the defrauded party and not you and they have to remove the debt.

Reply by
lvemy2grlz

1 Contribution
0 People Helped

i jasmine simpson never stolen no one information from no one. they are taking mines. can you please tell me who is the persons and what they have on and what time and what day was it. can you please let the FBI know this. can you please remove it and flag it .can you please come pick up the persons and the vehicles and others stuff they have. thank you.
i jasmine simpson never had a loan to purchase for a home. i never in my life ever had a license. i never had no vehicles  if this persons have vehicles under me you need to get those vehicles back to the dealerships and the keys.if this person checks even school checks or thing else with my name on it you need to lock them up

Top Contributor

Reply by
jsimpson1249

70 Contributions
17 People Helped

simple ,contact your state DMV tell them the problem, they have the information you want. If you have the VIN number

number include it.  They have your life history concerning vehicles registered to you and who the vehicle was registered to when purchased. if you hit a dead end call the cops.

Reply by
123boom

1 Contribution
0 People Helped

I DID NOT OPEN AN AUTO ACCOUNT ANYWHERE

Reply by
mikieboy

1 Contribution
0 People Helped

Get copies of what they have. If you can only get the make and model or loan ammount. Then make out a police report on fraud . Then call all three reporting company and tell them you reportrd the car loan and I.D. thief. If that doesnt work. Report the car solen.

Reply by
just4me36

3 Contributions
0 People Helped

The year my husband and I got married someone opened a credit card in his name and put $9000's on it, it took us 4 years to dispute it OVER AND OVER again but they finally took it off. 

Reply by
ashleemariee

1 Contribution
0 People Helped

Ask that company to send you in writing the document with your signature, and if they can not produce it tell them you will contact your attorney, and tell the credit agency to remove it they to can not produce the proper paper work !

Reply by
flatbedman

1 Contribution
0 People Helped

I understand that I have an open account with JCPenny.  But with the other 4 accounts I have not ever had any of these accounts.

Reply by
PaulaJack

1 Contribution
0 People Helped

I've had the same problem. I've also had an online order returned due to damage, but they claim they never received it even though got notice "return received". I sent them notice to dispute charge (did not save copy) from 1993. They keep selling account every four or five years to put it back on credit report.

Reply by
aepearce59

1 Contribution
0 People Helped

This would be considered Fraud. You can contact the company that is financing the auto loan and advise that you did not apply for this loan. Financial companies have a fraud department and investigation process... They should be able to get the application details to confirm.. You may need to obtain a police report as well.. My husband had this happen to him.. before he even had a driver's license... go figure... 

Reply by
jlmjrag

2 Contributions
0 People Helped

i do not owe any of these charges

Reply by
jorgereal

1 Contribution
0 People Helped

These 2 account on my aacount were in the bankruptcy, they are not open accounts

Reply by
jessi12

1 Contribution
0 People Helped

Easy, You just answered your own question. You NEVER opened the account so why is it on your credit report? "Please remove",and your done.

Reply by
ecothers

2 Contributions
0 People Helped

right if you never had the accounts,what do you do?How do you dispute something you never had?

Reply by
tll63

3 Contributions
2 People Helped

You're an idiot...do you not have anything better to do than troll comments?

Reply by
arianasilver

1 Contribution
0 People Helped

I dont have a car in my name..........

Reply by
underdogjohn13

2 Contributions
0 People Helped

i never did file bankrucpt!!!

Reply by
underdogjohn13

2 Contributions
0 People Helped

I just saw this post....

If a party has the same name association I always recommend they send a certified letter to the credit agencies requesting the removal of "other names", they can also call the bureaus to have them remove the same name or mis information reporting on the credit report itself.

Its pretty easy actually and not that uncommon for it to happen.

Experian, PO BOX 9701, Allen, Tx 75013

Equifax PO BOX 105518, Atlanta, GA 30348

Transunion PO BOX 2000, Chester, PA 19022

Always include a copy of your drivers license w/ current mailing address, personal information and than a short paragraph explaining the situtation behind it.

Reply by
sophid

2 Contributions
0 People Helped

i know what you mean. i some how have a nationwide account that i own and when i called them they dont have any infromation regarding me opening anything from them. i dont know where to go from here.

Reply by
jjonezy

1 Contribution
0 People Helped

bankruptcies stay on for 10 years, not 7

Reply by
picturebear

2 Contributions
0 People Helped

no they dont give a **** it dont hurt them

Reply by
woodstock69

1 Contribution
0 People Helped

that is  whaqt is  going on with me  some one  opened   a credit  card  in my name and  i  told them it was  not me i never   lived where it twas   open

Reply by
caprica66

1 Contribution
0 People Helped

You need to file a dispute with each of the credit reporting agency ie Trans Union, Experian and Equafax to request they investigate.

Reply by
Cynnamin

2 Contributions
1 Person Helped

I have never dealt with Vision and have no collections against me for this outfit. There is another Ronald Annis that had an account in collection in the past that they attributed to me. I suspect this is another case like that. 

Reply by
hotroddaddy1

1 Contribution
0 People Helped

any bankrucpt is out of date

Reply by
jimmyfoulks

2 Contributions
0 People Helped

I do not have a bankrucpt in Jan 9 2011

Reply by
jimmyfoulks

2 Contributions
0 People Helped

I have not had a auto loan for over ten years. I paid cash for my last vehicle purchase.

Reply by
mjberry

1 Contribution
0 People Helped

The bankruptcy was  was filed in 2004> 7 yrs  ago.  My credit showes two bankruptcies in the same year. One was a regroup the ovther was chaper 13

Reply by
wellhelp

1 Contribution
0 People Helped

I wold think the loan would be linked to a vin#.  The vin # is linked to the registration. Registration to the individual driving the car. . that's the culpret. How do you get all that info??? Start with the police or P.I. 

Reply by
CHAMPAGNEGREEN

1 Contribution
0 People Helped

my divorce was final 1999 and i did not have a bankrucpt !

Reply by
caprian148

2 Contributions
0 People Helped

I don't have auto loan or auto!

Reply by
caprian148

2 Contributions
0 People Helped
Helpful to 0 out of 1 people

i do not have a bankrucpt

Reply by
ernestine2

1 Contribution
0 People Helped
Helpful to 0 out of 1 people

my name is britt phillips thrift,medco prescription plan has me listed as britt p.thrift,as is my bank account.my capitol 1 credit card is listed as britt thrift!!   please correct your records and thank you.

Reply by
mattie11

1 Contribution
0 People Helped
Helpful to 0 out of 1 people

i had a bankruptcy in July 2003

Reply by
polka1

1 Contribution
0 People Helped
Helpful to 65 out of 85 people

 How can i  dispute this claim if i have no idea what it is!

Comment by
kelly3165

1 Contribution
65 People Helped
Helpful to 20 out of 34 people

portfolio is a collection of investments or bank accounts, stocks, bonds or in this case probably collection of debts whether it be a bank loan, auto loan, home loan, credit card debts, etc..........

Reply by
br4jar

4 Contributions
26 People Helped
Helpful to 20 out of 36 people

what is this for ? I don't have any loans or nothing like that for anything....I was just wondering what this is for you can call me at (989) 254-4749 please thnk you

Reply by
22thunder22

1 Contribution
20 People Helped

who is this

Reply by
mniekrasz

2 Contributions
0 People Helped

you can. hard to exp/ im a layer. google credit solution. and look for this ( the secret of the 2 magic letters power.

Reply by
BillionersHunter

6 Contributions
4 People Helped

i jasmine simpson never stolen no one information from no one. they are taking mines. can you please tell me who is the persons and what they have on and what time and what day was it. can you please let the FBI know this. can you please remove it and flag it .can you please come pick up the persons and the vehicles and others stuff they have. thank you.
i jasmine simpson never had a loan to purchase for a home. i never in my life ever had a license. i never had no vehicles  if this persons have vehicles under me you need to get those vehicles back to the dealerships and the keys.if this person checks even school checks or thing else with my name on it you need to lock them up

Top Contributor

Reply by
jsimpson1249

70 Contributions
17 People Helped
Helpful to 3 out of 7 people

portfolio

Reply by
br4jar

4 Contributions
26 People Helped
Helpful to 2 out of 6 people

I have no ideal what Photofolo is....can you let me know what this is.....thanks

Reply by
bkme51

1 Contribution
2 People Helped
Helpful to 24 out of 31 people

 As I posted previously I've been contacting the various credit agencies and individual companies to clear up inaccuracies on my credit report.  Well TransUnion is the first to respond, however the response if very scary.  In my mailbox was a brown envelope, the address listed was mine and on first glance the name on the envelope looked to be mine so I opened it.  Inside was a CD from TransUnion.  I didn't know what that was about so my attention became more focused on what I was holding.  Turns out the envelope and the name on the CD was NOT mine (very similar but NOT mine).  Nice...so not only has TransUnion sent me information for someone who is NOT me, they more than likely sent MY information to this individual who is NOT me.  Thanks TransUnion...glad you believe you are diligent enough to keep watch over the nations credit, which grants you access to the nations vital statistics. FANTASTIC!  Ohhh and thanks for allowing me the opportunity to open someone else's mail!  Just Great!  I'm sure if I finally do get through to a human at TransUnion they will be sure to let me know that I committed a federal offense as a way of deflecting blame for their error in sending me someone elses credit information and possibly sending my credit information to someone else.

Comment by
pokedbear

8 Contributions
166 People Helped
Helpful to 7 out of 33 people

i jasmine simpson never stolen no one information from no one. they are taking mines. can you please tell me who is the persons and what they have on and what time and what day was it. can you please let the FBI know this. can you please remove it and flag it .can you please come pick up the persons and the vehicles and others stuff they have. thank you.
i jasmine simpson never had a loan to purchase for a home. i never in my life ever had a license. i never had no vehicles  if this persons have vehicles under me you need to get those vehicles back to the dealerships and the keys.if this person checks even school checks or thing else with my name on it you need to lock them up

Top Contributor

Reply by
jsimpson1249

70 Contributions
17 People Helped
ID Theft
Helpful to 83 out of 112 people

i AM A VICTIM OF IDENTY THEFT DO I NEED TO CALL EVERYONE ON THIS REPORT THERE MUST BE  25 NAMES AND CREDIT CARD/BANK NAMES

Comment by
courtpatgreg2012

1 Contribution
83 People Helped

We highly recommend that you go to the FTC's website on identity theft. There, you'll find lots of helpful resources on what steps to take.

Review by
CK Moderator

Helpful to 47 out of 66 people

I have been dealing with identity theft since before it started and back then I had 4 social workers where I was staying go to disability to get my social security number changed because of it and they wouldn't do it. At the time I was in a shelter with 4 little girls and these people had houses, credit cards, and bills and other things in my name. Also, I got my pocketbook stolen in the shelter at the same time and my oldest (who's 25) went to buy a house and they told her that they couldn't because she owed a lot of money for a lot of different things. She was 4 months old how she owe some money and on top of it, I never used any of my children for nothing so how she own a house we never lived in? They are something I tell you!

Pastor Darlene Kelly Legette

Reply by
gelaina13

2 Contributions
48 People Helped
Helpful to 1 out of 1 people

You need to contact the Federal Trade Commission, they will give you a list of things to do. Notify 1 credit Bearuh and they will notify the other three and request a lock on your credit. Your major creditors, your bank, mortage holder, and it dosen't hurt to contact your creditors. It's easy to get your information, call your creator, request a duplicate card to your new address. I live in Florida, but my new address was in Nevada. Most creators will pick up information as they contact the credit agencys as they report your credit. They will notice the locks. Also after doing everything the FTC advises, send your report to the IRS. That way your not responcipal for wages turned in on your SSN.

Reply by
rreeves5

4 Contributions
5 People Helped

I have two new acc add to my acc don't know what they are have not charged nor did any thing I have payed every thing with cash so this is not mind, i need to get to the botttom of this or i wiil go father with this find out what this is thank you . Indianchief6162@yahoo.com

Reply by
Charmed80

1 Contribution
0 People Helped

i jasmine simpson never stolen no one information from no one. they are taking mines. can you please tell me who is the persons and what they have on and what time and what day was it. can you please let the FBI know this. can you please remove it and flag it .can you please come pick up the persons and the vehicles and others stuff they have. thank you.
i jasmine simpson never had a loan to purchase for a home. i never in my life ever had a license. i never had no vehicles  if this persons have vehicles under me you need to get those vehicles back to the dealerships and the keys.if this person checks even school checks or thing else with my name on it you need to lock them up

Top Contributor

Reply by
jsimpson1249

70 Contributions
17 People Helped
Helpful to 15 out of 19 people

Who is Collection Agency CON COL MGMN??

You tell me i owe money to them and its in the collection process... Researching that name gets me no where.. This reporting site is useless if you cant provide simple ACCURATE information to people using it. Thats like having a toilet needing a password to flush when you dont even know the password to get rid of the crap....

Comment by
Werlinlord8976

1 Contribution
15 People Helped

Please keep in mind that we are not a reporting agency, we simply show you all of the information we can from your TransUnion credit report. Check your full credit report at AnnualCreditReport.com for more information.

Review by
CK Moderator

Helpful to 34 out of 45 people

how can i dispute things on my credit  that has been paid for many many years ago and they are still there????

Comment by
amberharper1982

1 Contribution
34 People Helped
Helpful to 46 out of 54 people

Call Credit Pros 1-877-235-0324 they can help. Only pay for items they fix on your credit! Plus they also offer "free" advise!!!

Top Contributor

Reply by
redguy411

225 Contributions
451 People Helped
Helpful to 48 out of 57 people

Just beginning to clean up my reports.  I don't know if it worked yet but I wrote to all 3 credit agencies and the revolving credit accounts in question that have been closed since 2004 or prior.  In my case a few are in "negative" sections of the report yet my records and even according to their status as well as the 81 month history show pays as agreed.  None of them show a balance due and all of them show that they were closed by either me or the "credit grantor" in 2004 or prior.  I requested that they all be removed from my report but if they can't be removed I wanted to know why.  Also, if I don't disputer why they can't be removed I am disputing their placement in the "Negative" sections of the reports.  We'll see what happens.  It is interesting to look at how all the "store" cards that I really thought I needed to have so many years ago and just plain old stopped using is hurting my credit.  Like I said, I don't use them and haven't used them in years.  I don't owe anything on them yet they count against me...even if I can't get them removed but do get them put in the "good standing"  or "closed accounts" sections.  Crazy!

Reply by
pokedbear

8 Contributions
166 People Helped
Helpful to 1 out of 1 people

i have things on my credit report an have know ideal what it is especially something in public record

Reply by
DefortHorton54

1 Contribution
1 Person Helped
Helpful to 0 out of 1 people

i jasmine simpson never stolen no one information from no one. they are taking mines. can you please tell me who is the persons and what they have on and what time and what day was it. can you please let the FBI know this. can you please remove it and flag it .can you please come pick up the persons and the vehicles and others stuff they have. thank you.
i jasmine simpson never had a loan to purchase for a home. i never in my life ever had a license. i never had no vehicles  if this persons have vehicles under me you need to get those vehicles back to the dealerships and the keys.if this person checks even school checks or thing else with my name on it you need to lock them up

Top Contributor

Reply by
jsimpson1249

70 Contributions
17 People Helped
Helpful to 44 out of 59 people

I need to dispute the public records that I have on my report.  Not sure what they are for please help.

Comment by
joelani76

1 Contribution
44 People Helped
Helpful to 2 out of 2 people

WELL I HAVE A PUBLIC RECORDS PROBLEM ON MY REPORT AND CALLED ALL OVER THE PLACE TO FIND OUT THAT IT WAS A $62 STATE INCOME TAX BILL THAT I HAD PAID AND THAT IT WILL STAY ON MY RECORD 7 YEARS FROM WHEN IT WAS PAID. SO IN DECEMBER IT WILL FINALLY BE TAKEN OFF. IT IS HARD TO FIND OUT THESE THINGS WITHOUT FOOTWORK

Reply by
SANDIR1

2 Contributions
2 People Helped
Helpful to 29 out of 39 people

How do show documention of an account that you didn't open? I can't prove that I didn't apply for a credit card that I know nothing about! 

Comment by
meeshatracy

1 Contribution
29 People Helped
Helpful to 200 out of 210 people

Hey, that's it..... Just write the Credit companies complaining that you have no prior knowledge of applying for such account... Then ask them to provide proof that you authorized such transaction.... The creditors have 30 days to come up with proof.... Like a signature, if not they must remove it off your credit file. Make sure you dispute it with the credit bureaus, not the Company Reporting such allegations....

Top Contributor

Reply by
redguy411

225 Contributions
451 People Helped
Helpful to 82 out of 89 people

I'm going through the same thing right now.  I not only sent a letter to the 3 credit agencies I also sent the same letter to the credit card/loan company as well.  In the letter I let them know that I never applied for this credit card/loan and I demanded that they forward ANY documentation to me bearing my signature, etc. so I could investigate further.  I'm not sure how it will work out but I figure if they have some sort of "real" signature, I've got plenty of signed "legal" documents showing what my signature really looks like.  If they claim it was a phone authorization I've requested that those transcribes be sent to me (since all of these companies are sure to let you know that the call is being recorded for "quality assurance".  I'm not sure yet how I can disprove a "verbal" authorization but if that's what they claim, I'll google it and see what I can find out about disputing.  If it was an online application/signature I requested that they provide me with the IP address of the signer...I don't know how that works but apparently the IP address can be compared/traced.  Anyway, I'll let you know what happens.  Whether this will work for me or not I don't yet know but I do know that DOING NOTHING doesn't work at all so I'm trying as opposed to just complaining about it.

Reply by
pokedbear

8 Contributions
166 People Helped
Helpful to 1 out of 1 people

I would contact the company that claimes you have an account and ask them to send you a copy of the signed agreement that shows you opened the account.

Reply by
CLANT58

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

You need to call the credit card company an tell them this is a fraudulent acount

They send you apaperwork and youfill it out, I am going through the same thing but I have to go to court for mine, the credit card company has to provide you with all the information you request if they are trying o make you pay them.  Ask for a copy of the application and to see your signature

Reply by
chuntley0223

1 Contribution
1 Person Helped
Helpful to 1 out of 3 people

Call Credit Pros 1-877-235-0324 they can help. Only pay for items they fix on your credit! Plus they also offer "free" advise!!!

Top Contributor

Reply by
redguy411

225 Contributions
451 People Helped
Helpful to 3 out of 8 people

Call Credit Pros 1-877-235-0324 they can help. Only pay for items they fix on your credit! Plus they also offer "free" advise!!!

Top Contributor

Reply by
redguy411

225 Contributions
451 People Helped
Helpful to 0 out of 1 people

i jasmine simpson never stolen no one information from no one. they are taking mines. can you please tell me who is the persons and what they have on and what time and what day was it. can you please let the FBI know this. can you please remove it and flag it .can you please come pick up the persons and the vehicles and others stuff they have. thank you.
i jasmine simpson never had a loan to purchase for a home. i never in my life ever had a license. i never had no vehicles  if this persons have vehicles under me you need to get those vehicles back to the dealerships and the keys.if this person checks even school checks or thing else with my name on it you need to lock them up

Top Contributor

Reply by
jsimpson1249

70 Contributions
17 People Helped
Helpful to 0 out of 1 people

i agree

Reply by
happilymarried2009

1 Contribution
0 People Helped
Helpful to 21 out of 29 people

I see things on my report that i am not aware off and i can't click on it to get more details. how do i get that information that i need to fully understand what these businesses is and if it was me. 

Comment by
zakiyabailey

1 Contribution
21 People Helped

All of our credit report information comes straight from your TransUnion credit report. Check your full credit report at AnnualCreditReport.com for more information.

Review by
CK Moderator

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