In XXXX XXXX I helped my niece, XXXX XXXX, open an account at XXXX. After more than 15 years doing business in good faith with XXXX XXXX, in the year XXXX, the lender decided to write off the amount of {$1800.00} that she owed and hang it on my records at Experian. That person is not dead. She owns a home XXXX and is my understanding that, at this time, XXXX. 
Do I have to accept, as a cosigner that I was in XXXX, a write off debt in my records, if that person is still alive and well, owns a home, have bank account and can be easily reached by the lender? What do I have to do to get that debt, that is no mine, out of my records? 
I demand from Experian, to take that bad deb information off from my records and be aware that the debtor is XXXX XXXX, not me. I did no spend no even XXXX from that account. 
