Help!

[Anonymous]

Hi, I'm new to myFico but I desperately need help. I am 21 years old, college student, and I recently took a finance class at school where we had to get our credit report. I just assumed mine was virtually empty (only one 500 Secured Bank Visa and 2000 student loan) and I have automatic draft so I never pay late. Anyway, I came to find that I have had a delinquent account for over two years with a company called "M&I Bank" who then sold my account to a collection agency "S&P" yet I have never, not ever opened a credit card with them!! Obvious fraud. So I have attempted to dispute this but the collection agency refuses to acknowledge that this is not my account. I don't know what to do. No one will remove this from my CR! I feel like I need to have proof but I don't because I didn't ever know it existed! I don't know what to do. Its impossible to get a hold of anyone in regards to my multiple disputes I just don't know what I should do next. I cannot get a credit card, I can't even get an apartment on my own. If anyone has any ideas of how I should go about fixing this problem I would sincerely appreciate it! Sara

[SmartCookie]

Hi Sara and welcome!  Please start here:   http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

Then please return with fresh coffee.  Bring cookies too and we will definitely hook you up.  

M&I Bank seem to be out of Wisconsin. Did you ever live there... maybe have a bank account with a monthly fee with a bank that was taken over by them?

Are both them and S&P showing on your credit reports?  What dates are they showing for what.  So far you have disputed both of them as 'not mine' on any CBRs where they have appeared, and they come back validated?

[Anonymous]

File a police report, download an fill out a affidavit of fraud (from FTC website), put a Fraud alert on you credit reports,

Send a DV to the CA with a copy of the police report and affidavit of fraud. CMRRR

Send the same to the OC- State that this is fraud and they are required to assist in the investigation.