Wrong credit card accounts

U.S.

Hello everyone! Recently checked my credit report and saw 2 accounts I don't recognize. One puts me as an authorized user, one is saying it's a card that I opened. I don't recognize these accounts, these two don't appear on my other credit reports from TransUnion & Experian. They also got my address wrong, so I'm suspecting it's a mixed files case. I disputed the incorrect info, just looking for any helpful advice in case they refuse to remove the 2 wrong accounts. What can I provide to show that I don't own the 2 accounts? Should I talk to customer service or dispute through mail? TIA!

Posted Aug 1, 2026, 3:58 AM UTC

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