I applied for a car loan, there is now a judgement that is all of a sudden appearing on my credit report which does not belong to me the judgement was on my dad 's report clearly I was too young to have a judgement back in 2011. My dad and I have the same first and last name but not middle. I am not clear as to who would be able to place that judgement on my credit report after it 's already been placed under my dads 's name back in 2011. If so I would like to know if I can file a lawsuit for emotional distress to the person that is responsible for this.