Back in 2002 my a**hole mother opened up a credit card for Fashon Bug in my name with out my knowledge. I didn’t find out till a couple of years ago after it had been charged off and sold to a collection agency. Only last year did I really start paying attention to my credit and start to clean it up, so I just paid the collection. Unfortunately at the time I wasn’t very educated on credit and the importance of it. There are 2 accounts on my Experian report that are listed as “Legally paid in full for less than the full balance ” for this Fashon Bug account. I’m guessing one was the original and the other one is the collection. For some reason its showing the DOFD is only in 2009 which is totally wrong. The actual DOFD was in April of 2003 which would explain why these accounts are no longer on my Equifax and TransUnion reports. So my question is what is the best way to go about getting this off of my Experian report? Do I dispute it because it wasn’t actually my debt or did I already take on responsibility for the debt because I paid the collection? Or do I dispute the DOFD issue. What do you think the easiest most affective way to handle this?