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antman2x2

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One of my fathers debts is on my report! What do I do!?
Im really looking for some help, I feel sick to my stomach.

My father and I have the same name and one of his accounts has gone into collections and its on MY credit report. i have contacted transunion over the phone and explained my situation. She said I should expect a letter in the mail within 20 days that will update me on how the investigation of the situation went and whether they will remove it or not.

Did I do the right thing? Is there any thing else I need to do to prevent this from ever happening again? My credit score went from a 680 to a 520 because of this. Im only 19 and have really been trying my best to build credit to buy a car. Thank you for any help..

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You did the right thing. Have you asked for her name, ID, position in the company? You may need that info later on. You may want to call back after a week or so to check the status of the investigation. Make sure to write down the info of the representative. If you can, ask for a reference or a case number. That way you can refer to your case easily and it also guarantees that someone did do something for your situation.

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