<prompt> Human: Im beyond fucking livid right now. But to put it simply, Im 21 years old and I apparently have had an account for 17 years. I have two credit cards under my name, one I actually use and one I found out my parent is using under me. To top it all off, I got a collections notice and a derogatory mark as a result. My credit score went from 705 to 667 and Im pissed. Id NEVER let anything go to collections. How can I fix this? Im still young and in college and the LAST thing I need is to get out with bad credit.My credit hurts more every day and I have no control over it.EDIT: I have over 60k in credit card debt, lolEdit 2: WTF I HAVE 14 ACCOUNTS OPENED WHEN I ONLY HAVE TWOUPDATE: Posted here  <response>: Freeze your credit, and file a police report. Theyll have to face the issues. Dont let them guilt you into not doing it, dont think you owe them anything just because they raised you. They took criminal activity against you knowing full well exactly what they were doing, and hid it from you while you were growing up.17 years of history on that account proves it. 