When I turned 18, I decided that it would be a good idea to get a credit report from all three agencies just to check what was on there. I found that there were multiple accounts tied to my credit score from before I was born. Two of the credit agencies removed them fairly easily, but to this day, one of them has refused to remove the accounts. Why? Because I can't prove that I did not live in the area the account was opened in. Not being born yet has so far not been good enough. It's just been a process of me mailing them, waiting 6 months for them to respond with some request for some more information, repeat.
The only reason why I haven't done that, is that the accounts actually have a positive impact on my credit. They're fraudulent, so I am taking action to remove them, but there have been no damages as a result. So, I don't really have a reason to sue other than to save me future hassle.
