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I'm Lucy, and I'd be happy to answer your questions today.
On a credit report, "legal item" means that someone has filed a lawsuit against you. There should be also a reference number next to it. If you don't know of anyone who would be suing you, try calling the clerk of the local Superior Court in your area to see if they show a case with your name or the reference number. You may also want to call the Small Claims court in your area - if someone is suing you, it should be in the county where you live. So that's the first step.
You also have the ability to file a dispute through the credit bureau and seek more information that way. At the very least, they should be able to tell you who placed the report and confirm whether it might have been a mistake. That tends to take longer, though, so try the courthouse first.
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