In XX/XX/XXXX I pulled my credit report from XXXX and noticed an account listed as " Joint Account '' for SYNCB/CARE CREDIT. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with Care Credit. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to XXXX asking them to investigate this account because I am sure I never opened the account. Received the XXXX response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.