Do not assume the cause
An unfamiliar account can reflect identity theft, a mixed credit file, an authorized-user relationship, a renamed creditor, or inaccurate furnishing. Gather facts before stating a conclusion.
If identity theft is suspected
Create a recovery plan at IdentityTheft.gov, consider a fraud alert or security freeze, and follow the credit bureau's identity-theft blocking instructions. A block request has documentation requirements under federal law.
If it appears to be a reporting error
Dispute the specific account with each bureau reporting it and, where appropriate, with the furnisher. Include copies rather than originals and explain exactly why the account is not yours. Keep submission and delivery records.
Official sources
Key law references
- 15 U.S.C. § 1681i
- 15 U.S.C. § 1681c-2
Educational Use Only
This article explains rights in plain language and is not legal advice for your specific situation. State laws vary; confirm current rules with official sources or a qualified attorney in your jurisdiction.