Credit Card Center Advertiser Disclosure

Posts: 20
Registered: ‎05-06-2008
0 Kudos

It's not me but Experian won't remove

There is a judgment on my credit report from someone that has the same name as me, but it's not me.  I fought it with all three credit bureaus, but Experian refuses to remove it even after providing them with proof that it's not me, and not my judgment.  How do I go about having this removed from my credit?  I didn't even discover this until I went to purchase a home and it showed up.  I was able to successfully get my mortgage after having it taken care of two years ago, but now Experian has it on there again and I cannot get a home equity loan because of it.


Any suggestions, letters to write, or who to contact would be greatly appreciated.

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: It's not me but Experian won't remove

I'd go to the source and talk to the court. They can stop the reporting of it. Explain what happened and if you talk to the right person they will help in getting it removed.

Community Leader
Epic Contributor
Posts: 29,748
Registered: ‎03-19-2007
0 Kudos

Re: It's not me but Experian won't remove

[ Edited ]

It may not, and probably isn't, the court that even reported it.  As a public record, it is accessible to those who scour such information.

I would definately start by sending the CRA a request under FCRA 609(a)(1) for all information in your credit file relating to the reporting of the judgement.  In particular, the name of the reporting party.  Then you can send a direct dispute to the furnisher of the information, asking them to verify the accuracy of their reporting in view of your evidence.  That compels the reporting party to conduct an investigation and respond directly back to you, with no CRA involvement, in just over 30-days.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.