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Information belongs to someone else. To Whom It XXXX Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : XXXX XXXX XXXX Balance : {$500.00} Account # : XXXX This account is not mine and has been determined to be fraudulent. Moreover, the original creditor, The Bank XXXX Missouri, through its account servicer XXXX XXXX XXXX, entered into a settlement agreement with me acknowledging that this account was opened fraudulently and is not valid. Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. After extensive investigation and legal action, the original creditor reached a settlement agreement with me, acknowledging the accounts fraudulent nature. Under the terms of t