"Alert" that is incorrect on credit report

[Ifonly]

I have credit monitoring from Experian (free for six months compliments of Countrywide as I was one of their customers whose information was hacked by an employee - they must be SOOO disappointed by my identity - LOL).

So one of my negative alerts is for a late payment for a Citibank debt that I've never heard of! I don't have a Citibank card, loan, or anything else and the amount doesn't match any of my balances.

At first I was worried but when I check my actual credit report no Citibank account is there (which is good). So if this alert is a mistake, it can't follow thru onto my actual credit report because no account by that name exists to be reported late. At least that's what I'm thinking.

Thoughts?

[lrprn]

Dispute it in writing with Esperian as "not mine". Send the letter return receipt to create a paper trail if that proves necessary. Watch for 30 days to see if the account drops off your credit report.