These 3 credit report companies have absolutly are not reporting the right people or debts owed by someone else, a credit card was opened in the same name as mine and it isnt me but i can not get them to remove it from my credit, also my son and daughter in-law bought a mobile home in 2000 and it was put on property that i coowned with my son i sighned a paper stateing that i released the property they used as collateral if they failed to pay, so they didnt pay for it and they tried to make me pay for it and i quickly pointed out to mortgage company that i didnt co-sighn, i just released the property they stopped trying to bill me, but they put it on my credit report the company is vanderbilt, these credit reporting agencies need to look at what they are doing to inocent people