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That depends on what you mean by "can't find or locate a creditor".

If you get a copy of each of your credit reports, they will list the contact information for each of the creditors that are reporting any type of information about you on your credit report.

if you cannot get a response from the creditor after locating their contact information on your credit report, then you may want to "dispute" the information with the credit bureau that is reporting the information.

Simply write a letter to the credit bureau stating that the information being reported on XYZ account is not accurate. Please remove this information from my credit file.

The bureau will contact the reporting creditor...if the creditor does not respond within a timely fashion, the information will be removed from your credit file.

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Q: What you do if you cannot locate a creditor?
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