Account is Not Mine Credit Letter
How Did the Wrong Account Get on Your Credit Report?
Sometimes a human error is to blame for the wrong accounts showing up on your credit report. Someone may have transposed the numbers in your Social Security number, or there may be someone with a similar name whose credit profile got mixed up with yours. Other times, these accounts are the result of fraud or identity theft; someone may have intentionally opened a credit card account in your name. That is especially likely if there are multiple accounts on your credit report that don’t belong to you.
Credit bureaus are legally required to investigate your claim within 30 days, as long as it isn't frivolous.
Ideally, the credit bureau’s investigation will return in your favor, and the account will be removed from your credit report. You can add a fraud alert to your credit report if you think identity theft was the cause and that there's a chance the thief could open more accounts in your name.