I had unauthorized charges on my card and the bank fixed it pretty quickly. I thought that meant the problem was over. Weeks later, the account connected to that fraud was still showing on my credit report like it belonged to me. I found this article in the middle of trying to connect what the bank fixes with what credit bureaus actually update: https://consumerattorneys.com/blog/unauthorized-charges. It explains why solving the transaction side doesn’t automatically clean up the reporting side.
I had unauthorized charges on my card and the bank fixed it pretty quickly. I thought that meant the problem was over. Weeks later, the account connected to that fraud was still showing on my credit report like it belonged to me. I found this article in the middle of trying to connect what the bank fixes with what credit bureaus actually update: https://consumerattorneys.com/blog/unauthorized-charges. It explains why solving the transaction side doesn’t automatically clean up the reporting side.