Disputing a credit card that I did NOT open

[Anonymous]

1. So an account from First Premier Bank popped on my credit saying that I opened a card back in 2006 with a balance owed of $400.

2. I wrote a letter to them asking them to verify.

3. They sent back a letter stating that they verfied and the debt was accurate.

However, I have no recollection of opening this account AND it was opened and apparently NEVER paid. Sounds like fraud. So, I called and the collections department said I should send a letter to their "Security" department.

My questions are (1) should I file a police report before then? (2) Will this security department be just another run around? (3) should I send a letter to the Exp,Trans,Equ?

FPB wants me to pay the $400 but cannot provide me even with the credit card number they have on file, only the last 4 digits. I feel like they are scamming me.

You guys have been so helpful in the past...can someone provide me some advice??? thanks in advance!

KKC

[Booner72]

If it is 100% not yours, file a police report. Send said police report to the CA's reporting, and they should delete it.

[RobertEG]

You should definately file a police report.

The FCRA permits the consumer, under its identity theft provisions, to obtain from the creditor all business records pertaining to an account alleged to have resulted from identity theft.  FCRA 609(e).  It is a process that compels more than just their verification, it requires them to produce business documents that you may then challenge.

In order to require such documentation, your 609(e) request must be accompanied by a copy of a police report, which is your sworn statement that carries penalties for knowlingly false statements.

You can also send a copy of the police report to the CRAs, and block its further inclusion in your credit report.  FCRA 605B.