On my credit report, it reports that I have an account with XXXX bank '. This is incorrect information because I NEVER opened an account with this company. I called the company at the following contact info : XXXX BANK, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ( XXXX ) XXXX. I gave the representative my information ( ie. name, address, social security # XXXX to see if I have an account with them and they confirmed that I do not. However, this account keeps showing on my credit reports and it is ruining my credit score.