How to Dispute an Error on Your Credit Report

How to Dispute an Error on Your Credit Report

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 Common credit report errors include outdated personal information, mistaken or fraudulent accounts and incorrect account details.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. The same process generally applies if you have a legitimate error, like incorrect names or addresses. 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. 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. Access your TransUnion credit report for free anytime through Credit Karma.

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 around 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 could be due to one of the following scenarios:

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 that says 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 health and financial future. To ensure that your credit report remains clear of errors in the future, monitor your credit with Credit Karma.

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

All Comments

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I just want to call to everybody's attention something VERY IMPORTANT I learned about accounts in collections, etc. ---- and the advice I I often hear on posts like these, where someone says,  "just call the lawyer's office to ask about it...." or "just call the company....", "just call the credit card company", etc.  That is NOT always good advice!!!!  That can be VERY BAD ADVICE.  The reason is, there's a STATUTE OF LIMITATIONS on all debts.  I think if it's a "written" agreement, like a credit card would be, then the statute is 4 years (could be different state to state, I'm in California). 

Anyway, after the statute has run, meaning after 4 years - FROM YOUR LAST CONTACT WITH THEM - they can no longer sue you for that debt!!  But!!......IF YOU CALL THEM (or contact them in any way) about the debt ....that date it STARTS THE STATUTE TO RUN ALL OVER AGAIN!!  In other words, from the date you called them -- they now have 4 YEARS from that date that they can sue you.  This is really important!! 

If, for example, 3 yrs and 11 months ago was the last time you talked to that debt collector, credit card company, lawyer, or anyone else that's tried to collect on the debt, or who you owe the debt to, then it's NOT in your best interests to call them....because they only have 1 mo left wherein they can sue you.  Whereas, if you call them, they then have 4 more years to try to collect on that debt & to sue you!!!

I'm not a lawyer, this isn't legal advice, this is just what I learned about the law on my own.  Hope it helps.

Reply by
Smiliesim

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Like you, I'm not an attorney, nor expert.  In fact, I don't know a lot on this subject.  However, I've filed a bancruptcy (in CA also) and have learned a bit about "old" debt.  While I found your post enlightening, about the time statute renewing on the most recent date of contact, I'm not sure how accurate it is.  I do know for a fact, that your "4 years" is wrong.  It's 7 years for most debts and 10 years for others, before you're safe from being collected on/sued.  For some debts like student loans, child support, alimony, and court judgments there is no time limit-so you can be snet to collections/sued any time.  Regardless whether you've past the statue of limitations on a debt, while they cannot sue you or seek collections anymore, technically, you still owe that debt.  The only true way to have debt wiped from your record is to file a bancuptcy, and still not all debt can be discharged.  Now there are "4 year" statue of limititations, but those are regarding various time limits on when you can sue someone for other things, like medical malpractice (which is generally 3 years, depending on where you live and what you're fighting against).  Once again, however, if what you're otherwise saying about the "years" renewing when you contact them, that might explain why my attorney didn't want me contacting old debts regarding my current balance with them for my bancruptcy (I hadn't received bills in years, but wanted them listed in my bancuptcy regardless, which they were, with estimated balances).  Thanks, for the interesting post!

Reply by
bootsgal

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I'm not a lawyer either, retired legal inv...you are right about the statue of limitations of the credit debt, BUT NOT THE CREDIT REPORT! I got excited too, when I did research, it showed in MS 4 years for the statue, reading further, that showed me BUT, NOT for a credit report to bump it off...don't ask me why...so I believe it is the credit bureaus with their little mayhem of 7 years...even if you did have 3 years...that is the time that the creditors have to get off of your tail...so you only have 4 more years left on the actual report! LIFE SUX!...if we were smart we would legislate for NO CREDIT BUREAUS at all...did you know that there weren't any when I was first born? Another history lesson for us all...yeah, we didn't want that, some lobbyist went after it for some big financial grouping and VOILA.....our lives are screwed up...they don't need to know all of our business....oh well, that's my take on this horrible experience of regrouping just for credit's sake!...

Reply by
Rose2woods

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WRONG!  Contacting a creditor does NOT restart the clock - only payment negotiations and/or can do this.

Reply by
pduetto

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You have it slightly wrong - though it is a good heads up.  I am an attorney.  You can bring the debt back and rescue it from the expiration of the statue of limitations by making a fresh payment.  Just reaching out will not do it.  What is important is that you know the SOL in your state.  Once you figure it out, determine when was the last payment made on that account.  If more time has passed compared to what is the SOL for your state for that type of debt, then write the reporting bureaus and demand they remove it from your report as the SOL has run.   

Reply by
newspaper1

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Thanks for the information very helpful.

Reply by
columbus28

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thank you very much .......... I was considering contacting an agency to question an account. I think I will wait a few more months for the four year time frame to expire .....thank you!

Reply by
1LaidBackLenny

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I have one question ; If a collector is still calling 8 to 10 years, how do you stop them ?

Also, I have a dead file in my report. Its been paid for 5 years !

Its still listed as " In Collectin " !! How do I get the **** thing off my report ?!?

Reply by
Donnamite

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I just wanted to comment on 4teamon's post.  That's not how the Statue of Limitations works.  It's not from when you talk to someone, it is based on the date they receive your last payment.  From that day forward if you don't send any more money that's the date the years start.  In Texas which is where I'm at it is 7 years.  So if I made a payment 1/1/2000 and made no further payments on that account then 1/1/2008 I would know they couldn't do anything further against me like sueing me however they will continue to call and try and get money up until either the account gets paid or you die.  I have a credit card I got back in 1977 when I was young and didn't know what all of life was really about, but I never paid the complete balance and to this day 1/13/2015 they call me, and send me collection letters.  However after the first 7 years was up they card was taken off my credit report and I have no fear of ever being sued by them.  In fact I just got a letter from them not to long ago wanting me to open a credit card account again and that I was guaranteed approva.

Reply by
menace22

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I paid a hospital bill using an option that allowed me to pay a lower amount. After completing the transaction I was given a reference number for proof of payment in full..I was told that I would receive a confirmation number via mail, but never received anything. Now, a few months later, a collection agency has been contacting me about the same hospital bill that was suppossed to be paid in full. I haven't been able to find the proof of payment I need.Who should I contact, the hospital, or the original debt collector's ?

Reply by
ajterrell110

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Hi 4teamom you are mostly correct. Again I am not a lawyer yet but I did work for a debt collector in legal. Canning about an "alleged debt" will not toll the statute of limitations. Acknowledging the debt via phone, mail or payment will though.

Also debt collectors have to prove said debt is yours. Do they own the account or are they just servicing it? Own it? Good show me the purchase agreement showing you bought this. This is the debt collector holy grail and are very reluctant to give it away. Also they need proof of the last time you acknowledge the debt. No proof of those then you can sue for FDCPA VIOLATIONS. Hope this helped a bit. Good luck all

Reply by
kbitar

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Enter Your Reply  Very true.  In Washington state it is 3 years.  

Reply by
smmrlv4

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So very very true don't contact them unless You plan to pay the debt in full . Great information , Thank you !!!

Reply by
TomInBigD

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Hey, I just wanted to take a few moments to reply and say a very gracious THANK YOU! for this information. It makes a great deal of 'common sense' but I wouldn't have thought about it in a million years! I'd have just called whoever's offices and been trapped. So, thanks again — I suppose that's a million and 1!

Tom S. — Dallas, TX

Reply by
JustE2u

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This is absolutely not true. It is called "re-aging" an account and is against the law. People also think that making a payment or payments on a collection account will also do this and it is also illegal. The statute of limitations begins from the last date of payment. The Statute of Limitations vary state to state and means the length of time you can be sued for re payment of the debt. The date you open the account is completely irrelevant. Collectors may collect on the debt FOREVER as long as you owe the debt, however, it can only remain on your credit report for 6 years and 9 months approx. but no longer than 7 years. Know your rights, and check with your state's Attorney General, the Consumers Financial Protection Bureau, Better Business Bureau, Federal Trade commission, and know the FDCPA. Good luck!

Reply by
larhonda

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The Statute of Limitations on debts with a written contract (in California) expires 4 years from the DATE OF YOUR LAST PAYMENT. Creditors and collection agencies CAN sue you for debt that is past statute (you can sue anyone for anything), that doesn't mean that they will be successful. If you make a payment on a debt, even a debt that is past the Statute of Limitations, THAT is what restarts the clock on the Statute of Limitations. 

If you are sued for a debt that is past the statute, your defense is that the Statute of Limitations has expired on the debt (be prepared to prove that). If you ignore notice that you are being sued on a statute expired debt and don't show up to inform the court that the debt has expired, per the Statute of Limitations, you will lose by default, and a debt that you wouldn't have had to pay, will now be a judgment against you.

I am NOT an attorney. I am someone who has, unfortunately, had to deal with debt collectors. Things worked out well for me. Knowledge is power!

Here's a link that may be of help. I recommend looking up the actual statuted for yourself...

http://www.nolo.com/legal-encyclopedia/statute-of-limitations-state-laws-chart-29941.html

Reply by
catchik

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THE RESTARTING OF THE DEBT CLOCK ONLY RESTARTS WHEN you admit to the debt as being valid.  Whatever you do....DO NOT admit that you owe this debt!!!!    They always record your conversations, so if you have to, talk to them in hypotheticals!!   Watch what you say....they will try and get you to admit that the debt is yours....therefore, restarting the clock!!    Read this info in "Kevin Trudeau's" book about debt.  Good book!!

Reply by
aitek

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I know this and I tell people this all the time. I even tell them that if the collectors call they should never tell them who you are.

Reply by
girls8345

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Wrong....

CreditCardLies.com

It's only if you agaree to any type of planment...

and if you  agree its your bill....Verify all debt no matter why it is, NEVER say it your debt...and never agree to any payment. 

Reply by
Tankerpug1

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Disputes?  Contact the Consumer Financial Protection Bureau. 

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3 years is the statute in Louisiana.  

Reply by
lfm1948

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Four years in Iowa. Not seven or ten.. For credit card dept it is four years....Each state is different so you would need to check with the state you life in to know for sure.

Reply by
Tracy212

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I've read through a lot of the responses and the issue I am having is that the statue of limitations in my state is 7 years.  However, there are 4 collection items on my report that are years beyond the 7 years in which these accounts should have been removed my report.  However, the collection agencies keep resubmitting the items with current open dates.  Ex. I received an Experian and Transunion credit report about 6 years ago.  One (I can't remember which) gave the approximate date the iems would no longer appear on my credit reports.  When I look at my Transunion report today, each of these accounts are showing open dates that coincide with the dates when these accounts should have been removed from my credit report.  Also, on the letters being sent to my home they sates the SOL has run out and they can't sue me.

So my question is, is it legal for these collection agencies to keep changing the account open date so these items remain on my credit report?   

Reply by
acool40

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Enter Your Reply THANK YOU!

Reply by
Julana

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I'm not as concerned about the Statute of Limitations on being sued. I'm more concerned about how long they can report the debt to the credit bureaus, and that depends on what type of debt it is. But you are correct that once you've re-established communication of any type with the creditor, the time that they can continue to report to the bureaus, does start over.

Reply by
tcarroll7

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You can call yet if you agree to payment that's when you time starts over. Its OK to get info about you debts just don't agree to anything.

Reply by
aliciaj47

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U r absolutely right! In Philadelphia the statue is 7yrs. I have one item om ny credit report that expires this month (2/16/15). Not even going to try to dispute it. Just going to wait and have it removed. Another one from 2009, that should have been removed. GREAT Advice for pple..... Keep u the Great work.

Reply by
guastellap

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This is not quite true. The only ay, legally, the Time can resume for collecting a debt past the Statute of Limitations is if a  consumer pays something toards the debt. Ifyou owed a $ 100.00 and it was over the time limit of Statutue of Limitations and then pay $ 10.00 towards that debt, the debt is then enforceable and collectible. But it should not be if you just contact the collection agency and/or attorney representing thm. There is nothing in the codes of the 50 sttes or the FTC that allows the meter to start all over again for just contacting a collector and/or ttorney for an outdated bill.Enter Your Reply

Reply by
princeilly

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The collection will be removed 7 years after the date it first went in collections. You can talk to them every day if you want to but the only thing that starts the clock all over again is a payment of any kind-then the 7 years starts from date of last payment. One helpful thing to do is see when you last paid the account-and then the 7 years starts from that date. If the creditor is reporting a later date then dispute that and it should come off 6 months from the date off last payment example-DLP is 5/2008 so 6 mos is 11/2008-it will be removed if you've made no payments during that time, on 11/2015. so making sure that date of last payment is correct will be helpful for old debts.

Reply by
Nmjanssen84

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do u have any idea about the statue of limitations in north carolina. i have a eviction on my record from 2007 and its not off my record yet

Reply by
confidant1

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4teamom,

In regards to the 4 years you speak of, my understanding is that after 4 years they cannot sue you on non collateralized credit card debt, i reside in florida, so that sounds like the law is the same in california so you would be right, good research job. I might add that florida is a debters state and lot's of wealthy people move here to escape old debts like OJ Simpson for one his cival lawsuit for 25,000,000 was never paid. 

Reply by
badreporting

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Enter Your Reply  My report says I have a Repossession for my auto. the auto was impounded but I paid and got the auto out of impound. My credit union, which I was financed through and still paying for the auto, reported the auto as a repossession. Fact is they said because of the impound the auto had to be refinanced. I have been making payment every month. The credit report shows the account current but it also says the account is closed. the credit union is not reporting my payments. I went from an 18k loan to only oweing $102.00 presently. I have paid for this auto twice, missed no payments. yet my report shows "closed account" and "repossession". its a lost cause to file disputes or to try communicating with credit bureaus. I'll just live with bad credit.

Reply by
RobHuck

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I like help

Reply by
BekahBoo80

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This is in response to 'Smileysim's' reply.

The 7-10 years is correct for debt / bankruptcy situations however the statute of limitations is different (depending on the U.S. State in question) for the ability for someone to sue you for debt owed. [being sued and it being removed from your credit report can be two different things]

Reply by
bigmo47

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I believe its 7 years not 4 before a derogatory info is removed from your credit report and yes your right about the timeline for collecting credit card debts. If you contact them the statue of limitations does start all over again so beware!!

Reply by
Presey

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Thank You Very Much!!!I'm in California too, Thanks Again!!!

Reply by
Itoldyou

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That information was very good, thanks so much for that valuable information. Is good to know what can be done on those situations. Your info is like saying BINGO!

Reply by
suzyq2015

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I have a derogatory collection on my credit that is going on 14 yrs old.  I think it is about time to let it go.  I don't even know who the original debter is.  It keeps getting bought by other collectors.  I wish there was a way to take it off my credit report. 

Reply by
jmnorwood

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it is not 4 years since you talked to them, it is 4 years since you last made a payment.

Reply by
hcorvo

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Thank you that help

Reply by
mlm1079

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You are correct...the clock starts over again when you contact a debtor and make a payment. On the bottom of your letter, it will state that you have 30 days to dispute the debt, otherwise it will be considered valid. We disputed a very old debt from very early 2000's via certified letters and they eventually dropped it. My ex is a collector and he had a lot of great advice for us...

Reply by
Tellmemore2

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Thank you I appreciate that information; that's good to know.

Reply by
llk712

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You can contact the creditor, just do not discuss payment arrangements. I know for medical they can only collect for four years, other types of creditors are generally 7-10 years.

Reply by
Biskit35

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Awesome thanks cause I was gonna call these people Monday that are almost 7 years in TN that is the statute of emulation. I would've messed up big time cause they almost ready to come off anyways. But one that's over, do you know what happens with your score? By chance???😱

Reply by
jbm7178

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The statue of limitations can be found on BANKRATE.COM. And yes, in California written agreements have a limitation of four (4) years. That IS a real FACT!! In some cases contacting the collector can "restart" the clock, but not all. Be smart about what you do when you dispute something on your credit, do your own research and get answers from people YOU trust, I could be the difference that will make or break your bank!! 

Reply by
ahlitah

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Yes but if they call you after the 4 years is up then put the debt back ON your report what then?? Something over 13 years old popped back up on mine this week!

Reply by
keefer1969

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you may want to read the actual statute concerning debt in your state.  My state is 6 years but states you must admit to/pay on  the debt. also statute is 6 years here. Calling to dispute a debt is almost always in your favor as far as statute of limitations.

Reply by
klearkredit

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Thank you!!!  Like you, I too had to learn this the hard way.  Again, thank you for putting this in writing an making it so clear and concise.

Reply by
justarose123

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yes I kept recieving a notice to pay balance og a little over a thousand or they would take me to court. I had just been in a car accident and became disabled. But in good faith I asked if I could make payments on the balance= no Then I would pay only $419.00 and remainder pof balance is forgiven again I try to recitify the situation. I had lost my house, my car, my job but nope they would not work with payments still. Seems to me if they had they would of been paid by now, Rita

Reply by
matt301982

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How does this work for mycase.. I lived in NY for most of my life now live in PA. What if theres something on ones report from 5 years ago and u havent spoke to them in at least 4

Reply by
LaceyBoy53

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My twinstar credit balance has been paid! Since the summer! I still see it up on my credit report as still being open & unpaid!! I'm way past ****ed off!!! I want it off my credit report NOW! I called grim collections and they told me that they called it in. Now I just need you guys to take it off my credit report! Thank you. 

Reply by
marieguzman

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I have had nothing to do with sprint for over 5 years now and they still have it on my credit alot of my other stuff has came off raiseing my score but sprint and a doctor bill are still there. How could I dispute it.

Reply by
CBoivin85

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Very helpful info! Thanks!

Reply by
pookiebear16

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Thanks for advice so if a realtor sues you in 2011 then the statue of limitations will end in2015 right?   what if you didnt yse a credit card and they say thta you owe thewm money on that card are you also saying that you shouldnt dispute it?

Reply by
Wingman2003

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So that is what happens?! I had a BK that was set to clear in one month. I inquired about the BK one month before it was to clear and it magically turned into ten years I read the BK and it stated that the bk could last 7 ""OR"" 10 years. 

Some times it pays not to inquire. I also complained to the hospital -who I tried to pay the day of service- told me they would bill me . I never received the bill . Only knew about a collection agency when I recieve a email from Credit Karma stating a collection for 100 dollars was on my report . a 100 bucks lunch money for the we and these clowns who have said they cleared this from my report still have not. they did however put a new more current date on my credit report. The thing has been "0" balance since I heard about it from Credit Karma. But 7 years later it still rides on my credit report.

Reply by
Alien92

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hello, my name is Travis meserve but I believethat there has been an error to my credit report. It states that utilities and fuel is a negative in my report. I am a 22 year old male who still lives with his parents, I have never had those kind of bills. My birthdate is 01/11'1992 can youplease correct this very important. Thank you for your time.

Reply by
svppppp

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very helpful.  thanks.

Reply by
123mama4life

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I have paid off my debt but it is still showing unpaid. All my other debt's have shown paid. I am just waiting for this last one to show paid so i can buy a car. What else can i do?

Reply by
CEFreeman

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Each state has a limit on debt collection, based upon the last contact you had with each other, as you said. 

Each state's limitation is different, though, for different debt types.

In a small nutshell, in Maryland, for example, after 2 years conventional debts become "time barred."  This means that although they can continue to harras for the debt, they cannot sue you.  This makes it pointless for them to bother. 

Keep in mind that each time a debt is sold, time barred or not, a new batch of calls will ensue. 

But the advice above is wise.  Don't call the company unless you absolutely know they're wrong and you have the documentation to prove it.

Reply by
Hilly609

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Statutes of limitation is from the last time you payed them

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The statue of limitations is four years from when the last payment was made on the account. It does not apply to all type of debts. For example a secured loan. However, it should apply to credit card debt.

Reply by
mexcavazos

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Your advice is spot-on.  DO NOT CONTACT a debt collector because it does play a factor with the statute.  I went to law school and know the law.  Also, debt collectors cannot threaten you with anything so just ignore their phone calls until the debt disappears.  I once owed seven thousand on a car that was stolen from me and destroyed.  The company wrote it off but sold the debt a few years later.  The buying "creditor" balloned the debt into seventeen thousand and trid to harass me into paying them.  I just sat ignored their calls and sat out the last year until it was COMPLETELY REMOVED from my credit.  Thank god I know the law.

Reply by
MeMyself01

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What if they call you with the pretence of being a alarm company or a business ?

Reply by
janettes2

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Helpful thanks.

Reply by
grdone12

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What if they call you

Reply by
melissa202

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what is this

Reply by
Appleofmyeye321

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Thanks so much, so if the statue of limitations expires is there a way to get it removed off your credit report? In California

Reply by
Ksbryant1978

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Ive experience d this, In my case this information was accurate!!

Reply by
MotherTiger

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Thank You, this seem to be very good advice.

Reply by
bastian12

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While it is true that accounts can only be held useable against you for x-amount of years, the bank or other source you are liable to can--and usually does sell your account to a collection agency so they can collect pennies on the dollar for what you owe.  Once the collection agency buys your account, they can keep it open for collection indefinitely.  I am still getting calls for accounts closed from the 1990's.

Reply by
Jaswars

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You are spot on about that. Great advice.

1 Contribution
1612 People Helped

Helpful to 1602 out of 2306 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.

Reply by
51Rats

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743 People Helped
Helpful to 743 out of 1001 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
pokedbear

8 Contributions
541 People Helped
Helpful to 25 out of 33 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
taximan43

6 Contributions
368 People Helped
Helpful to 350 out of 500 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
myhome123

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65 People Helped
Helpful to 27 out of 41 people

I do not remember this account     please let me know something

Reply by
BIGBEN49

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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
cjh39

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

Reply by
tll63

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

Reply by
CaptainRat50

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

Reply by
ejwgolf

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focus  mgmt  for 75.00  what is this for

Reply by
jrice123

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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
mizbeautiful

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1 Person Helped
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get a lawyer

Reply by
billionairepaper

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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
goodmancarol

2 Contributions
14 People Helped
Helpful to 10 out of 15 people

I have paid 1st Franklin off, it's still showing a balance.

Reply by
oct23

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4 People Helped
Helpful to 4 out of 6 people

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

Reply by
melissaprobs

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4 People Helped
Helpful to 4 out of 6 people

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

Reply by
dancewithadiva

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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
1997nicola

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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
chrisg527

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2 People Helped
Helpful to 2 out of 3 people

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

Reply by
mayowa02

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2 People Helped
Helpful to 2 out of 3 people

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

Reply by
Cynnamin

2 Contributions
2 People Helped
Helpful to 2 out of 3 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
hassfat

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no they own  me.

Reply by
jp2020

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5 People Helped
Helpful to 5 out of 8 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
Bridgitt

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5 People Helped
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
garyop

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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
kenan

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

I'm having the same problem

Reply by
1clavo

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1 Person 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
wetdawg

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1 Person Helped
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so what is it ! I have no imfomation ?

Reply by
tll63

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

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

Reply by
Wooliebear

2 Contributions
32 People Helped
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
MAMMY9

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1 Person Helped
Helpful to 1 out of 2 people

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

Reply by
wendyal

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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
butter07

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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
Banga414

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

Reply by
SharonBadenhop

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0 People Helped

You're so correct - what is it?!

Reply by
Marcwong

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All i know about that is if u find a way to contact them and tell them they have 30 days to tell you what the debt is for and if they cant then they have to remove it which they wont be able to do cause they dont know if its been passed from one creditor to another, a pàralegal told me this 

Reply by
flutterbutt

2 Contributions
0 People Helped

I have the same issue. I have a collection that I have no idea what it is. I know for a fact that it isn't mine because it shows a large amount of money I owe to a webbank and I have never had any kind of webbank or that amount of money. I don't have an account number to use to dispute or anything. Can I dispute this without having the information except the name of the creditor and the amount?

Reply by
rangetrg

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0 People Helped

good luck !

Reply by
rdorsey991

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0 People Helped

I do not know anything about this account.

Reply by
RL29520016

2 Contributions
0 People Helped

I am 69 years old and have had a credit history for over 50 years yet I'm only showing a less than 4 year old credit history....THIS is hurting my credit rating.

I own my own home at 555 Dover Way in Livermore, paid for with no current loan.

I do have an Umpqua home loan for about $155,000 at 2727-28th Ave., Forest Grove, but there is no second loan...I only have the single Umpqua loan but the report shows 2 different loan balances.

Reply by
Genny1236

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0 People Helped

Get the free report then call the credit bureua that is reporting the data and then dispute it. 

Reply by
sandradee1017

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0 People Helped

What was this about. I don't know of any card that I asked for.

Reply by
HTP3231978

2 Contributions
0 People Helped

This is a US Cellular Account,I always had a prepaid phone thru them,I do not understand how I owe anything,It was PREPAID ,no money no service

Reply by
HTP3231978

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0 People Helped

Not Sure?????????/

Reply by
prietooooo

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0 People Helped

No es mía gracias 

Reply by
kandyison

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0 People Helped

The problem that I have is with Columbia House in 2010 and I never ordered anything from them so what should I do and how should I go about disputing this when I don't have any type of evidence?

Reply by
TracyThai

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0 People Helped

I agree I can't even find out how to ask what it is.

Reply by
krc7894

2 Contributions
89 People Helped

When you don't know what an item is ask them to verify ALL information. Usually if you can't tell what it is it is because it has been sold and they probably do not have all the information to prove it is yours. I have had several items removed by asking them to verify all information.

Reply by
arcochief1978

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0 People Helped

I have an accont labeled miss payement, I had the ccount for three  months a mortgage I did not need and was paid off so what goes the records are not in my hands nor in theirs, they do not even know me

Reply by
taushab26

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0 People Helped

click on credit report, then click the  greater than symbol to have it open information on account then it gives address, or google the name to get the address.

Reply by
cardshark48

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0 People Helped

My bankruptcy is over 11 yrs ago and should come off my credit report by now..

Reply by
Janusbe

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0 People Helped

They have a wrong address that I never lived and they got my place of work that I haven't worked in over 20 years and I need to know how to update my status on the credit report, with my job of 14 years.

Reply by
teenie02

3 Contributions
4 People Helped

I so agree.  And I have received that  Credit Karma is being fined for displaying SS# .  By the FTC.?

Reply by
teenie02

3 Contributions
4 People Helped

I have no idea who appled to a Bacley company?   Also what about my other inquirie?

Reply by
ben200

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0 People Helped

I retired,July 1, 2001    NOT 2006

Thank you

frank benedict

Reply by
Willowrose8

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0 People Helped

This bill or is not my biller my name being Margaret R. Harris – not DESPRES

THIS BILL BELONGS ONLY! TO ROBERT F DESPRES MY EX HUSBAND THANK YOU

Reply by
Oldrudeguy

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0 People Helped

use Lexington law.  They do wonders in just 90 days.

Reply by
Oraine

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0 People Helped

A car rental is on my credit report I don't remember renting any car

Reply by
cudabear62

4 Contributions
0 People Helped

My credit score has dropped over the last moth showing that I have a deliquent account.

I have not missed any payments r deliquent on any thing pluse I have paid off one auto loan. My score should b in the 700 range. Whats the deal here. Do not understand this

Reply by
elizh5

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0 People Helped

I agree.  How can you dispute an item when you do not know the source?

Also why did my rating drop this month?

Reply by
par4four

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0 People Helped

never lived in Stoney Brook that is not me

Reply by
bonyak

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0 People Helped

If a collection agency is trying to collect from you, I have been advised by may credit advisors not to contact the agency. If you do, they can reactivate a debt that is old or outdated. It will become active again. This is how old debits keep haunting you. 

Reply by
jacennashea

3 Contributions
0 People Helped

where i co signed for your car at my bank and you didn't pay for it and i had to pay it off and the ruiend my credit dispite the fact i paid it off the same day and they told me it would not go to a judgement this is why i don't barrow money from them anymore or give them my car loan been with them since early 80's and was done this bad i have court ppwk showing this has been settled for years and it is still on my credit report

Reply by
DorianaM

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0 People Helped

I have SYNCB on my report what is that and how do i remove it.  I don't own nothing never applied for it and how to remove it.  credit karma sucks they put things on report  and you never apply for anything. Only owns one bank card and thats through my bank. I hope they see that. I can't get a loan cause credit company are posting stuff on my report that I don't even have or try to apply. Credit carma sucks. My transunion credit went down for some reason i don't know why i own nothing but a paycheck i get from work i put into my saving account and save. Going to stop using credit carma until they fix it.  THey make a person look bad on there credit report and puts stuff there that never exisit.  I hope they do something right with what this is SYNCB what ever that is..

Reply by
gallino

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0 People Helped

there is a judgement  against me they called me yesterday but did not know where I live how do I find out who the collector is 

Reply by
troys14

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0 People Helped

Request a copy of your credit report from one of the 3 reporting agencies.

Credit Karma isn't able to provide you with a report, just your score and some details. On your actual credit report, it will list the contact information of the reporting agency for you.

Dispute the charges be following the information provided here or with any of the credit reporting agencies. Do not waste money on paying someone to do this for you. A correctly formated dispute letter is exactly what you need and you can do this yourself.

Hope this helps!

Reply by
BorrowerToo

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0 People Helped

You can usually google the abreviation on your report. I did mine and found the company and address. Hope this helps.

Reply by
JHERRERA5

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0 People Helped

MY CREDIT SCORE IS WRONG AND  COLLECTION UPDATE  GLOBE CREDIT IS WRONG 

Reply by
sarge32

2 Contributions
0 People Helped

How can i pay something off that has showen on my credit when i have no clue who or what it is. Pleasea in need of info on this. 

Reply by
masterc7

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0 People Helped

You can find out what is in collections by actually going to that credit beareau and disputing it online through them.  For example for Transunion go to https://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page

and select file a credit dispute online or check status button at the bottom. Fill out the information and it will show you all the information from your credit report and it will also allow you to dispute exactly what you see and give you the options you have in disputing it...

Reply by
wagdeb

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0 People Helped

don't know what those 3 bills are thats in colection

Reply by
cammie2

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0 People Helped

i am a victim of identity theft. there are numerous inquiries on my credit report bringing my score down that I didnt make. i have already flagged my accounts and filed a report and filed a poluce report. I have no proof that I didnt make these inquiries but there are 25 of them!!! Does anyone know what I can do? thank you!

Reply by
aliciaj47

2 Contributions
0 People 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
helpfulblackguy

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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
mniekrasz

2 Contributions
0 People Helped

what is this

Reply by
kbruno23

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0 People Helped

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

Reply by
Classiebird

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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
rammjr

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0 People Helped

AGREED!!!

Reply by
Rebecca537597

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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
germanrob

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0 People Helped

I know right!!!

Reply by
Neekwa05

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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
Litephaze

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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
vcarrasc

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0 People Helped

am unabel to dispute when i dont know 

Reply by
hojoe109

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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
Shuya71

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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
Ksmcintyre74

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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
monsineur

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0 People Helped

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

Reply by
Eastwood35

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
workinonit2

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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
ShoshanaLeah

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
Momilani11

6 Contributions
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
tiger1992

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0 People Helped

unaware of what is in collection action

Reply by
Kommanderkoady

1 Contribution
0 People Helped

I don't know what this is

Reply by
Cbear42

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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
noodlesboots

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0 People Helped

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

Reply by
allshowdogs

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0 People Helped

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

Reply by
garbett

2 Contributions
0 People Helped

what is this debt??

Reply by
yungmade

1 Contribution
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
dulari53

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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
gpollitt

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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
crazyb419

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0 People Helped

what if  it's not mine

Reply by
cache2118

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0 People Helped

This acount of the Judgement was paid in full /

Reply by
earnhardtfan2002

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0 People Helped

i dont know what lis is thank you

Reply by
aqd

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0 People Helped

how do we know who it is?

Reply by
Olena808

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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
monk2jean

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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
sisterlynn6

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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
brianjay77

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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
Danski2112

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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
kamran4u

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0 People Helped

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

Reply by
linzette64

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0 People Helped

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

Reply by
hotladypp

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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
sonyman1

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0 People Helped

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

Reply by
professor999

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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
loki3751

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0 People Helped

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

Reply by
chris3916

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0 People Helped

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

Reply by
ecothers

2 Contributions
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
TheUninvited1

2 Contributions
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
stayle

1 Contribution
0 People Helped

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

what to do now?

Reply by
jdgilmore

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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
watering1

2 Contributions
0 People Helped

wha is it

Reply by
7051bobby

2 Contributions
7 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
stewaybe

1 Contribution
3 People Helped
Helpful to 3 out of 6 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
phillyfixit

1 Contribution
3 People Helped
Helpful to 3 out of 6 people

judgement

Reply by
Sunnymccawley

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Helpful to 0 out of 1 people

I had stolen identity through my back with a Fraud number supplied, harrassing calls, FBI I3 form, social security administration, home land security cyberspace have been notified. The IRS Identity Protection Specialized Unit has been supplying me information from my credit report to file along with their IRS 14039. I have top security software on my phone and computer now. They even made rape and death threats. A ton of calls from various numbers from their criminal rings after I shut my bank account down on the 10th.

Who is this that inquired on July 8th on my credit report?

BARCLAYS BANK DELAWARE
PO BOX 8803 8803

WILMINGTON , DE 19899

(866) 370-5931

Thank you,

Ellen McCawley

Ellenmccawley@comcast.net

240-674-1091

Reply by
str8sexi

1 Contribution
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Helpful to 0 out of 1 people

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
stugah

1 Contribution
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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
misstinked

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

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

Reply by
STPAUL200

1 Contribution
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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
zohilldo

1 Contribution
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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
bgmo

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

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

Reply by
42100000

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Helpful to 0 out of 1 people

have know clew what this is,help

1 Contribution
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Helpful to 0 out of 1 people

ENHANCRCVRCO

$284

In Collections

MERCHANTSCOL

$67

In Collections

Thanks,

Reply by
jcooldukes

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

thank you

Reply by
angel19612345

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

i naver open an account with armor systerm!

Reply by
muchme

1 Contribution
0 People Helped
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
Rodcole12

1 Contribution
2 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

1 Contribution
61 People Helped

Helpful to 61 out of 75 people

I saw above a comment that read, "Sorry to hear what happened. I have some experience in the financial area. Send me all of your information and I can help you". 

Dont send your financial information to someone YOU DON'T KNOW!!!

Can I say it any plainer.

Reply by
MegJess

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

I totally agree with you!  To give someone your information just because they have experience in the financial field is plain dangerous-they may also have experience in the fraud field too!!!  That's like hiring someone to be your accountant/financial manager and sending them all of your money in the hopes that they pay all your bills and keep you organized-a HUGE NO-NO!!!

8 Contributions
541 People Helped

Helpful to 217 out of 268 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.

Reply by
rairizarryra

7 Contributions
57 People Helped
Helpful to 54 out of 92 people

I have contacted all three  agencies and they always say the samething, I have an ccount that I pay over 7 years ago and its been in collection over ten years,

Reply by
msdebello

9 Contributions
26 People Helped
Helpful to 7 out of 13 people

If it was delivered to your mailbox, it is ok to open it - regardless of the name.  So don't worry.

Top Contributor

Reply by
jsimpson1249

68 Contributions
82 People Helped
Helpful to 48 out of 169 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

1 Contribution
452 People Helped

Helpful to 452 out of 632 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? 

Reply by
gelaina13

2 Contributions
157 People Helped
Helpful to 86 out of 115 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
Boogee7925

1 Contribution
136 People Helped
Helpful to 136 out of 200 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
Wooliebear

2 Contributions
32 People Helped
Helpful to 31 out of 45 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
myhome123

2 Contributions
65 People Helped
Helpful to 38 out of 61 people

I do not have a bankrucpt in Jan 9 2011

Reply by
moyito

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

my bankrucpt and my wife were done in 2004

Reply by
Donaldrholmes

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

I do not have an auto loan

Reply by
moyito

2 Contributions
11 People Helped
Helpful to 7 out of 11 people

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

Reply by
rondaddy10

1 Contribution
2 People Helped
Helpful to 2 out of 3 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
Hooksettnh

1 Contribution
2 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
rreeves5

4 Contributions
98 People Helped
Helpful to 1 out of 2 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

Top Contributor

Reply by
redguy411

814 Contributions
1032 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

814 Contributions
1032 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!!!

Reply by
catstoys

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

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

Reply by
Itoldyou

3 Contributions
3 People Helped

A inquire on loan searching for a car...will be reported as a inquire...you can not do nothing, that will desapear alone..when I dont know...but what they try to show in your records is, how many times you have been searching credit..

Reply by
RocMecca

1 Contribution
0 People Helped

I having somewhat the same problem, I called them back and told them on my credit report said it's paid in full and close but the copany filed a court judgement still. I don't know what else to do?

Reply by
mkttygrl9

1 Contribution
6 People Helped

Tell the company to produce the documents where the loan was opened and if they can't or won't then you can go to the local court house and file papers on your own against them for falsifying records and opening accounts in your name and without your signature

Reply by
ChelleC27

1 Contribution
0 People Helped

I am wondering the same thing.  I have a mark against me from an insurance company for auto insurance that hit my account earlier this year, however we have not owned a car (and thus, no insurance) in almost 5 *years*.  Since there is no documentation (you can't prove what didn't exist) how can I get this removed since it will be my word against theirs?

Reply by
JaSedlack

1 Contribution
0 People Helped

Call the police and file fraud charges, they can track down who opened the account got the loan and or car and all you have to do is have them charged with idenity theft they lose the car, you dont look credit especially if they are paying on it, it has to be someone you knew know or dated and the bad part is you have to proscute them for id theft

Reply by
ruby1176

1 Contribution
0 People Helped

Green Tree is not my account.  It belongs to my daughter.  I did co sign a long time ago but the account does not belong t me.

Reply by
bigbar

1 Contribution
0 People Helped

They need your signature to prove its you

Reply by
lvemy2grlz

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
123boom

1 Contribution
0 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
mikieboy

1 Contribution
0 People Helped

I DID NOT OPEN AN AUTO ACCOUNT ANYWHERE

Reply by
just4me36

3 Contributions
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
ashleemariee

1 Contribution
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
flatbedman

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
PaulaJack

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
aepearce59

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
jlmjrag

2 Contributions
1 Person 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
jorgereal

1 Contribution
0 People Helped

i do not owe any of these charges

Reply by
jessi12

1 Contribution
0 People Helped

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

Reply by
ecothers

2 Contributions
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
tll63

3 Contributions
2 People Helped

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

Reply by
arianasilver

1 Contribution
0 People Helped

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

Reply by
underdogjohn13

2 Contributions
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
sophid

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
jjonezy

1 Contribution
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
picturebear

2 Contributions
0 People Helped

bankruptcies stay on for 10 years, not 7

Reply by
woodstock69

1 Contribution
0 People Helped

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

Reply by
caprica66

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
Cynnamin

2 Contributions
2 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
hotroddaddy1

1 Contribution
0 People 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
jimmyfoulks

2 Contributions
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
mjberry

1 Contribution
0 People Helped

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

Reply by
wellhelp

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
CHAMPAGNEGREEN

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
caprian148

2 Contributions
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
djflatrock74

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

Stop lying and paY UP

Reply by
ernestine2

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

i do not have a bankrucpt

Reply by
mattie11

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
polka1

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

i had a bankruptcy in July 2003

Top Contributor

Reply by
jsimpson1249

68 Contributions
82 People Helped
Helpful to 0 out of 3 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

1 Contribution
191 People Helped

ID Theft

Helpful to 191 out of 281 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

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

Reply by
rreeves5

4 Contributions
98 People Helped
Helpful to 93 out of 123 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
CreditIsTheDevil

1 Contribution
10 People Helped
Helpful to 10 out of 13 people

Good luck getting any of it resolved.  Quite frankly, you can file the police report, post a consumer statement, and dispute all the items on your report... but, remember this:

- The "verification" of a debt involves the Credit Agency contacting the debtor and simply asking "is this debt for [Full Name] and [SSN]?"  If the debtor answers "yes", then that's that.

The reason you need a lawyer to resolve these issues, is because the system itself is broken.  It's next to impossible to have a debtor remove a debt-claim, considering they require no signed documents or other proof to substantiate the debt.

Reply by
gelaina13

2 Contributions
157 People Helped
Helpful to 71 out of 111 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
entaos7

1 Contribution
0 People Helped

I was in you same situation and the best thing to do make an appointment with your local IRS Office and they will help you clear this mess up.  It will be a long and ongoing investigation but when you are done, you will realize that is was worth your time, efforts and money! 

Good Luck and don't give up.  Also if you happpen to get someone from the IRS Office and you can not seem to work together, "Request to work with someone else!" 

Sincerely,

NM

Reply by
BABABABABUTTHURT

2 Contributions
0 People Helped

meehhhhhhh, your full of ****.

Reply by
spiceboy77

1 Contribution
0 People Helped

HI GOOD MORNING I HAVE FOUND SOME INCORRECT INFORMATION ON MY CREDIT REPORT

Reply by
alexander823

2 Contributions
0 People Helped

How can i trust on this?

Reply by
Charmed80

1 Contribution
0 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

Top Contributor

Reply by
jsimpson1249

68 Contributions
82 People Helped
Helpful to 0 out of 2 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

1 Contribution
167 People Helped

Helpful to 167 out of 234 people

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

Reply by
krc7894

2 Contributions
89 People Helped
Helpful to 89 out of 113 people

Dispute it by asking them to verify all information.

Reply by
br4jar

4 Contributions
76 People Helped
Helpful to 66 out of 117 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
sipsydina

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

I have no idea what is wrong............

Reply by
br4jar

4 Contributions
76 People Helped
Helpful to 6 out of 13 people

portfolio

Reply by
harly82fxr

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

I had my identify stolen 3 times all three times Bank of America called me and told me,. So I had to stop all cards and start over but third time all banks were great again but BOA they like though me under the bus. They were the one's that called me and told me but they didn't want to help they wanted me to pay. So I didn't pay and I was going to file bankruptcy . I started it then stopped and now I see on my credit report BOF says I owe 16 thousand and something. It was over my limit by 500 dollars .Now I seI had my identify stolen 3 times all three times Bank of America called me and told me,. So I had to stop all cards and start over but third time all banks were great again but BOA they like though me under the bus. They were the one's that called me and told me but they didn't want to help they wanted me to pay. So I didn't pay and I was going to file bankruptcy . I started it then stopped and now I see on my credit report BOF says I owe 16 thousand and something. It was over my limit by 500 dollars .Now I see on my report said BOA has rewritten it off as a bad oh not sure what it was called. So now that they have written it off can they still come after me??this is what they have written..Charged off as bad debt Profit and loss write-off

Reply by
jqsynergy

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

Send a simple dispute letter stating that the account/debt (identified by whatever info they have it listed under on your credit report  is "Not Mine". They are obligated to investigate and respond to you the results of that investgation in 30 days. Mail your letter Certified Mail with Return Receipt Requested so you can establish a paper trail and have confirmation that it was received by them and when. 

The process of clearing up credit report errors is long and time consuming. It requires a lot of patience and perceverence and good record keeping. 

Reply by
Danan83

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I'm in the same boat, what do I do

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coach048

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How can I dispute what I have no idea what it is !!

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bkme51

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

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BillionersHunter

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

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mniekrasz

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who is this

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jsimpson1249

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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

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