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So a car loan shows up on my credit report. I've never purchased a car, so it's obviously not mine.

Luckily, whoever's car it is makes payments on time, so it didn't affect our ability to get a mortgage last year. But I'm trying to clean up the report anyway.

Here's the question-

I have an somewhat uncommon last name, and the loan is from Toyota, where my aunt bought her latest car. Should I get the details from my aunt to find out if this is her loan, or should I just say "this is not my loan" on the correction form?

My inclination would be to find out if it was my aunt's loan, but I wonder if that would make the credit reporting agencies suspicous.

Anyone had this sort of problem in the past?

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