Sometimes the credit bureau or bank continues relying on records that associate the fraudulent account with your identifying information.
That can feel absurd because the identity thief may have used your real name, Social Security number, date of birth, or other personal information precisely to make the account look legitimate.
You dispute the account and say, “I never opened this.” The system looks at records created through the fraud and responds as though those records prove the account belongs to you.
That does not mean the account suddenly became yours.
For more, read “Why Is Someone Else’s Information on My Credit Report?”:
https://www.cardozalawcorp.com/blog/why-is-someone-else-s-information-on-my-credit-report-.cfm
If you already disputed identity-theft accounts and they remain, contact us and select Identity Theft.
