I would suggest you to dispute it with Equifax as well, just incase if BOA does nothing.

ArbolLoco said:get your free annual credit report tomorrow and dispute the account.

I would, but I used up all 3 free reports already. I won't be able to get another free one for another 2 months or so.

Well so far I checked Equifax & Experian and apparently you need a current credit report to dispute anything. I don't have any of these on me and on top of that, the last time I checked them none of them had this BOA account on it.

And I'm not even sure if this would even be considered "identity theft". Apparently, or at least this is what they tell me... some idiot at BOA inputted my SS# into someone's else's info.

Well, they are correct. You can also dispute this with credit agencies and ask them to remove the info, but my experience is that it will disappear by itself. Wait 1 month if time is not critical resource for you, sheck report again. It should disappear. It not - start disputing.

use your current confirmation # of your free Equifax report to dispute it online. enter your name, ssn, address, #, etc. Equifax will give you a list of your current accounts. just pick the fraud account to dispute it.
or make a call to Equifax, you can use your free Equifax confirmation number to touch a rep. it's easy.

you can only dispute from a bureau, because the dispute result will spread to another 2.

I know this may be a dumb question but can you get a report if you don't have a dispute?

I'm pulling 3 credit reports (1 week trial) and see that Experian reports 2 delinquencies, while other two agencies do not. In the reports themselves, I don't see any problem.
Trying to access online dispute with Experian, and getting this message. Any idea / similar experience ??

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We are unable to allow access to our online dispute service at this time. You must have a current copy of your personal credit report in order to dispute information.

If you recently obtained an Experian credit review from another company, then you may want to try your dispute later. Our system does not yet recognize your order.
If you have not obtained a copy of your personal credit report, you may call 1 800 204 1410 to order your report through our automated service. If you are entitled under state or federal law, your report may be free.
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Another annoyance:
When filling online forms, I was asked to provide credit card numbers from the list of credit cards fro my records. Some cards are old, closed, and numbers are well forgotten. For example, during my life I had many CC from BoA, only one is active, but when I typed its number, the system rejected it. How do you deal with this ?

Thanks

This is a valuable thread, so I might as well bump it.
I'll also describe some dispute weirdness:

I paid off two cards from an A0R and disputed them online shortly thereafter with each bureau as "paid in full."
All three bureaus apparently interpreted my dispute as "not mine," which is really weird, because each time I definitely didn't select that option.
As a result, one of the accounts, which I had also consolidated onto another account and closed, was removed entirely from each credit report.
That was a Citi account, and I'm quite happy with it, since it was a one-year old account anyway, but still... weird.

The other account was a Chase account that I had had some issues with -- they ended up charging me finance charges during part of my last month, and while I couldn't get them entirely reversed, they did credit half of them back.. and that was the last transaction that posted to the account before I closed it. The disputes came back with "new information" that the account was "paid after charge off/collection" (dropping my creditkarma score by 100 points!), so I called Chase, got them to submit a dispute themselves, and so far Experian and Equ!fax have corrected the reports, but Transunion is lagging (by a couple days, already).

The annoying thing is that I can't seem to initiate a new online dispute with TU while the old one is still viewable -- clicking any link to submit a new dispute just takes me to the results of the old one.

I was unable to retrieve my Equifax credit file online (Online Delivery Unavailable... I'm not sure whether it stems from the fact I submitted a dispute 30-45 days back or not)

Anyway...

For those with the same issue as me that demand online immediate access to their Equifax file, I was able to find a workaround so that you can view the report online.

1 Order the report by phone* and write down your confirmation number.
2 go here > http://www.equifax.com/answers/correct-credit-report-errors/en_c...
3 enter zip code and submit
4 click on Get Started
5 enter confirmation number received over the phone and click submit
6 click on Start a New Dispute

Voila

*Phone ordering details (as of June 2009)

1)
Dial 800-685-1111 "welcome...note the fee is 7.95..." then press 1 to continue

2)
press 1 for states fee
press 2 for adding fraud/active duty or order credit file/score
press 3 if you have a copy of credit file used for employment purposes
press 4 for unemployed, welfare recipient or fraud victim
press 5 for annual disclosure/FACT
press 6 security freeze
press 7 visually impaired
press 8 minor child

3)
press 1 despite the fee warning
press 2 for recent fraud victim alert
press 3 for adding a fraud alert

4)
Say state name and press 1

5)
enter house number, then SSN

6)
press 1 for combo
press 2 for score only
press 3 for file only

7)
press 1 to add a score
press 2 to receive only the report

8)
press 1 (if denied)
press 2 if not denied

9)
last 4 digits shown on report
press 1 to show only the last 4 digits of your SSN
press 2 to show the whole SSN