I reviewed my credit report XXXX/XXXX/16. On Transunion, there is an account with the name XXXX XXXX states " open '', with a date of XXXX, and with money owed to it. The problem is ... .I never opened this account. I do not live in New York, so I do not know who opened this, or how without my signature/written consent. This, in my opinion is deceptive, and just plain fraudulent in nature. XXXX XXXX has misrepresented themselves on my report appearing to be a currently " opened '', delinquent creditor-type account that I signed up for. It needs to be removed immediately. I have never solicited to do business with XXXX XXXX, nor do I owe XXXX XXXX any money for services/goods.This info was previously disputed, however nothing has been done to remove it. 
