On my credit report, there is a mysterious account with a balance of over $5000 and a late payment that isn't mine. I wrote to the companies disputing it and one took it off but the others said they verified it was mine. All I can think of is that this might have been a case of me being added as an "authorized user" to some old ex-boyfriend's card, and now somehow it's listed as joint. I have no idea what company this is, it's some abbreviated name of a bank I've never heard of, and the phone number provided by the reporting agencies turned out to be one of those automated lines where it prompts you to enter your account number BEFORE you have any other option, and no amount of pressing 0, 9, #, *, or any combination thereof will get you a live operator. I don't HAVE the account number...Does the phone # you called give you the name of the bank? Maybe you could call a local branch and work from there. My husband had the same problem with his ex-wife's credit card. It was listed as a charge off on his credit report and after 2 years of disputing it with the seperate agencies (and only 1 of the 3 removing it)we finally called them. They sent a letter to us stating he was only an authorized user of the card and was not responsible for paying it back. We're preparing to send that to the credit reporting agencies in hopes of removal now.Kim
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