While there is an identity theft procedure under FCRA 605B that can be used to get information blocked from a consumer's credit report if they file a police report asserting that they did not authorize the account or transactions, there is an additional provision for a CRA to decline any such block if "the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions."
Thus, even if willing to file a police report and make a request that the CRA block the information from your credit report, the CRA can decline if you received a loan or educational services as a result of the transaction.
You could contact the furnisher of the negative information and request that they grant a good-will deletion based on the circumstances of your case, but there is no specific basis for blocking the information from your credit report if you benefited from the loan.
Hey pizza1!!! My mother took the loan out by applying online. She had all of my information and used it on the loan. I was the only one on this loan and was told today she took one out just in her name which she is still paying on. She used her address and phone number so I was never aware of anything.
The loan shows on transunion as well.
Still a little confusing.... So she took one out in your name by using her address/phone number, but also took another one out in her own name?