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marvinthemartain21

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I have never used the name tonia kerns why is it on my credit

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Unknown Name on credit report!

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Marvinthemartian21, you need to quickly get all 3 of your full credit reports. AnnualCreditReport-Dot-Com would be best. Carefully review all 3 reports and look for any accounts, collections, or "hard" inquiries that you do not recognize.  This could be attempted identity theft OR more likely the credit bureau(s) have are mixing your file with someone that has a similar name + social or address + social.  Either way, review the reports, anything you don't recognize will need to be disputed as "not yours" or "unknown" or something similar. Also, I would suggest that you dispute the incorrect name, any incorrect versions of your social, and incorrect addresses that may be showing when your pull the reports.  The credit bureaus will probably ask that you fax/upload or mail in copies of your state issued id, social security card, and possibly a utility bill but this should help make sure that only your information is reporting on your file. If it is attempted Identity theft, there will be more actions that you will need to take, but better to cross that bridge only if necessary.

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