Submitted by littlebabycowboy t3_zld99y in personalfinance
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I (21) feel like I'm at the end of the road with this and am desperate for any advice. I applied for an apartment this summer and got back a report saying I was high risk because I was overdue $2,800 overdue on a Target credit card from 2016. In 2016, I was 14 years old. I have never had a credit card in my life and it's very obvious that this is fraud. I called Target and they had no clue what I was talking about. So I went to annualcreditreport.com to get my report from all three bureaus, but only equifax could give me a report, the other two said they couldn't verify me -- I'm not sure why only one could verify me. I'm also assuming I have zero credit at this time. I went to dispute this report online through equifax, but every single time I try I get an error --"unable to complete this dispute, refresh and try again". I've called twice and they said they don't even see me on their end, they don't see anything I'm reporting despite me be able to see all the fraud information on my end. The website doesn't display a credit score for me either -- just an error. So I can't dispute online to remove this fraud from my record, I can't call and get it removed either. I can't even make a creditkarma account to view anything because nothing can "verify my credentials". When looking at equifax, my birthdate is correct, but my name is spelt wrong and my address is incorrect. I don't care who stole it, I just want it removed. The credit account is closed and has been sold, but is still overdue $2,800. I can't get an apartment, a car, or even a credit card. I feel like I'm stuck, I'm on the brink of homelessness because of this. Can anyone help?
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Edit: I have filed a police report and reported the fraud to the ic3.gov as recommended by the police. This was two months ago and nothing has changed. I also reported to identitytheft.gov and got no help from them either.