Removing Someone Else's Accounts from My Report

Disputing Credit Report Errors

If you were turned down for a credit card or a loan due to bad credit, you may have errors on your credit report — or be a victim of identity theft. If you believe that this is the case, then you must take immediate steps to protect your rights.

First, you should request a copy of your free credit report, as authorized by the FCRA, from each of the three major credit bureaus (Experian, Equifax, or TransUnion). It is best to request this report via mail. After receiving the report, check it carefully for any errors, including:

  •   Accounts that don't belong to you.  
  •   Inquiries for credit that you did not authorize
  •   Incorrect criminal records
  •   False personal identification information
  •   Inaccurate credit information (such as a payment history showing late or missed payments, or closed accounts)
  •   Incorrect public record information (bankruptcies, lawsuits)

Second, write a dispute letter to the credit reporting agencies. This dispute letter should detail the mistakes that appear on the credit report and ask the credit bureau to fix them along with proof that that item is wrong. A Michigan credit reporting attorney can work with you on finding errors and drafting a dispute letter.

A dispute letter should be direct and have all the necessary information for the credit reporting agency to understand that there is false information on your report. When writing the letter, be as specific as possible about the charges, accounts, or other information that are in dispute.

Third, wait 30 days. This is the period of time that the credit agency has to respond to or correct the disputed items on your credit report. If they fail to do so, then you may be able to file a lawsuit based on the damage to your credit score and other losses.

What Additional Resources Are Available?

Common Cases

You may have a case under the Fair Credit Reporting Act if you notice the following things on your background report:

  • Fraudulent identity theft accounts on your credit credit report.
  • Someone else's Information on your credit report.
  • Paid accounts still showing a balance due.
  • Reporting your accounts in good standing as charged off or in collections.
  • Discharged debts still reporting as owed.
  • Paid tax lies showing as still owed.
  • Derogatory accounts more than 7 years old still on your report.
  • Previously deleted accounts that have been reinserted on your report.
  • Duplicate reporting of the same account.

If you would like help with one of these problems, call (888) 400-CREDIT | (888) 400-2733 or contact us through this site.

How Much Are Your Fees?

We only charge a fee if we are able to recover for you, and The Fair Credit Reporting Act requires the other side to pay your attorney's fees if you win.  You pay nothing up front and we take our fee from the other side.  

Follow Up and Monitoring

After your case is done, we will help you to regularly check and monitor your background checks with free annual reviews of your background checks and credit reports to insure that you stay free of false conviction information. 

Work with a Credit Report Attorney

If you have been the subject of an inaccurate credit report, you may have be able to seek a correction and compensation for any harm. Our firm can help. For more than 25 years, the attorneys of Lyngklip & Associates have represented victims of bogus credit reports credit reports and been a resource for Michigan consumers who need the help of an experienced lawyer.

To learn more or to schedule a free initial consultation with a credit report lawyer, contact our law firm today or call (888) 400-CREDIT | (888) 400-2733 or contact us through this site.  In Michigan, you can reach our office at (248) 208-8864.


Many people think that they don’t have a case. We can help you find out if you have one. By answering a few simple questions, our attorneys can get you pointed in the right direction.