Get free copies of your credit report from all 3 agencies (www.frecreditreport.com or your credit guard service). When you log in to each of the credit reports

Get free copies of your credit report from all 3 agencies (www.frecreditreport.com or your credit guard service). When you log in to each of the credit reports there will be a link to dispute entries. Following this link will take you to an online form that will allow you to submit your dispute online. You can include any supporting info (e.g. your home address vs the SF address). The dispute process usually takes a few weeks/months, but in my case the items were removed in a few business days. Keep watching your reports regularly in case it shows up on a different report a few months down the line.