I had found out there was an account that I never had with all of the lates. The account has since been closed and paid off. It looks incredibly odd since nothing else has ever been late. Of course, I wrote a letter to each of the bureaus challenging that the account is mine. I received responses from all the bureaus verifying the account is mine. What should I do next? I think that I should find out how it was verified and talk to MBNA (the issuer of the account) directly. I think I know what the address on the account was which did not correspond to any place where I was living at the time. In fact I had a mastercard from MBNA at the time (which I still have) that was going to a totally different address. I am suprised this never flagged MBNA.