What Are Some Common Errors on Credit Reports?
• If you have a common name (like “John Smith”), your credit report might include the debts of other people with the same or similar name. If you are named after a relative, your report might list their debts. You can usually clear this up by providing proof of your social security number, date of birth or addresses. • You may not owe the money because the business that you were dealing with was guilty of fraud or deception or violated consumer protection laws. For example, maybe a car dealer is reporting a debt but they lied to you about the mileage on the car when they sold it to you. While you dispute the debt with the creditor, you can have the credit bureau report that it is a disputed debt.
