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I work at a local credit bureau and we deal with the national credit bureaus. All a consumer has to do, is dispute the account as "not theirs" and they don't know who it belongs to, and the bureaus will remove the trade. The creditors do not have the consumers SS#, so cannot validate the account. Experian has designed their software to completely remove a negative authorized user account, but leave a positive acct on a report. The credit card companies don't want consumers to know this information.
By Bonnie Stamos
