I disagree will Bill Bauer about being a nice guy to the credit bureaus NOT once did Bill Bauer point out that the credit bureaus lie to the public everyday. The way I do it is get a copy of my credit reports and file in small claims court on the one's that reported it to the credit bureaus. File it as a Fraudulent account. When the other party don't show you will get the judgement. Stand up and say your honor the only way I can clear my name of this Fraudulent information under my SSN is for the record to reflect this so I can present it to the credit bureaus.The judge will always grant that when the other party don't show. I know Bill Bauer and the Tinlizzer will disagree with what I say. To the above anyone can file in small claims court. Tinlizzer and Bill Bauer if you have never file like what I have above then your input on this will not be Valid. Steve