First, you should review your credit report to see if the delinquent account does, indeed, show up on your file. You can check your TransUnion credit report for free by signing up for a free WalletHub account (https://wallethub.com/join/). Then, if you do locate a delinquency which you suspect is fraudulent, first contact the creditor in question to investigate, then, file a dispute with the credit bureaus. You can find some guidelines on how you can do that at: https://wallethub.com/edu/credit-report-dispute/25501/.
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