2) I get a bill from a department store, supposedly on my credit account. Thing is, I don't have a credit account with this store. Now, my wife could have opened one and forgot, although she can't recall anything about it either. The bill, doesn't list any of the items purchased, it's just a bill, and it also has late fees. I write them back, asking what the bill is for so that we can try and match it up to something that we bought. They never respond. I keep getting bills. I keep sending the same letter. A few weeks AFTER I get the bill I get a notice from them saying "Thank you for opening an account with us, you credit account is now available for use". What? Anyway, this goes on for seven months. They finally threaten to sue. I call and call, and eventually get someone who will talk to me. She says that the original purchase was made in 12/98. The first bill I got was in 4/99. They still won't reveal to me the items that were purchased, saying they don't have that info. (yea, right). I finally pay them because they're ready to go to court (over a $100 bill), but I consider it extortion on thier part. I'm writing the BBB and the credit agencies about this mess, but I doubt that I'll be able to erase it from my rating. This scares me. If you are positive that you or your wife did not open an account at this store you need to act. We had someone apply for credit with my husbands information. You need to call the department store and talk to some one in their fraud department. Then call the three credit reporting agencies and speak to their fraud departments and put a fraud alert on your reports. I also would keep after the dish refund.Utahtea
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