Legal Question in Credit and Debt Law in New Jersey

Your daughter should dispute this information on her credit report. She can do this by filling out the dispute form at the end of the report, or doing this online if she received an online copy. She should do this with all 3 credit reporting agencies (Equifax, Experian, Trans Union). The basis of the dispute is that she did not open the account. Rather, someone used her information without her permission to open an account in her name. They will have 30 days to investigate the dispute, and either remove it or not remove it based on the response that the creditor provides. Your daughter can also report this to the fraud unit of the credit card company in order to persuade them to stop reporting this incorrect negative information. Typically, they will want her to provide an affidavit for this purpose, and perhaps file a police report.

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