<prompt> Human: Some company from CT called Safe Home Security has an account on my credit file that I never opened. It shows as a charge off - whats worse is that I disputed it with equifax and just got back the results today - now my equifax credit has been dinged another 36 points according to credit karma.I am 100 certain I have never opened this account. I was even living with family during the time they claimed I was making payments for a home security system.  <response>: Dispute it. A friend of mine was able to provide evidence beyond reasonable doubt that it was not his account, and was able to get it removed from the credit reports. 