I sent JC Penney yet another letter, asking them to put a fraud alert on my file,a nd to send me a copy of the application, since i did not apply for the card, never got one and never charged anything on a card I did not own. They sent me back yet ANOTHER form letter, stating that the information was correct and would stand- no copy of the app and no phone number to reach them. Any suggestions? I want this OFF my report not just with a "disputed due to fraud" statement. BTW- a dispute statement does not affect my credit rating does it?
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