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Question By
collazK

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how do i remove bill debt on my report thats not me my dad and i have the same name iam a j,r
i called to pay but its not me info all matched my father witch is S.r what do i do to fix

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Top Contributor
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Simple.  File a dispute with the credit bureau showing it.

Top Contributor
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First step, suggest that your father pay his debts.  Second,  jwsister is correct, file a dispute with every credit bureau which shows it on your report.   When you dispute the validity of the report, you should include proof of who you are (License, Social Security Number and a Utility bill).    When it the firm validates that it is indeed belonging to your father, it will move from your report to his credit report.   If under the remote possibility that the debt was created by your father, using your information, they won't remove the debt, in which case, you will need to prove that it is not yours.  you could start by looking at the date reported and compare it to your age.  If the debt was completed prior to your legal age to enter into a contract, the debt would not be valid under this rule.   When you file your dispute,  limit it to the validity of being your debt in your letter.   While there are form letters on the internet you can use, its a simple letter with the facts and the request.

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