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Question By
gabzgrl

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0 People Helped
Is this identity theft or consumer info breach?
false accts, inquiries, information is innaccurate on report

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Top Contributor
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Can't tell with out more info.

Helpful to 1 out of 1 people

I assume that you meant that there accounts and inquiries on yoru credit report that you don't recognize. 

If thats the case then you need to start working to get them off your report.  Start with a Validation letter for each account that is not yours.  Google "Credit Validation Letter" for more info on how they work and a template.  Never try to get these off your report by phone.  It doesn't work with with out paper work. The validation letter gets that paperwork for you.   Any account that does not have an original contract with your signature on it, by law will have to be removed.  

It can be a hassle, but you can handle getting your report cleaned up.  You have to, no one else will do it for you. It's your credit. 

Good luck 

Top Contributor
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While the other advice may be necesssary, the easiest way to begin is to contact the credit bureaus and let them know what is going on. Transunion, Equifax and Experian all have websites with contact info. Contact them (phone is fine) and let them know of these errors. If they give you grief or the run around, then follow the other advice.

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