Yesterday I checked my credit reports and I found two accounts that don’t belong to me. I tried to figure out if I ever had such loans but I can’t remember. Then I thought that I could be a victim of identity theft, but there is no way someone can use my information, because I never do online shopping and I didn’t lose my documents. What can be the reason for such errors?
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You may have a mixed credit file. Usually, this is what attorneys call the situation when the credit reporting agency, making your credit report, mixed your personal data with someone else's information, because of any similarities such as similar name, DOB or SSN. You can ask the CRA to remove the errors filling a dispute. You can fill it online or write it and mail a letter. Mailing is the best option, because as I know it can be used as a proof in the court in case of a lawsuit.