My parents were contacted on 3/21 by Valentina looking for either me or my ex-husband, gave my parents a case number and asked for me to call her back. I called her back the next day. I was informed my ex had opened an account with Sears and placed me as an authorised user. He had defaulted the account in 2002 and since I was an authorized user, I was now liable for this debt.
I informed her we had been seperated since 1999, and divorced since and asked when this account was opened. She told me she did not have all the information but believed it was in 2000. I told her I did not sign anything and she informed me it didnt matter. He had given my SS#, and my birthdate and since I was on the account I was responsible for the $2183.90. I told her I would not pay this debt, it was not mine but I would try to locate my ex so they could contact him.
Later that afternoon, I called Sears Credit and spoke with a customer service rep, who without my ex husbands SS# could not help me. She did tell me that it could be the collection agency was just trying to collect any way they could. I went home, found the SS# and called back. This representitive looked up the account and SURPRISE SURPRISE I was never on the account, the account had been opened in 2001 with his girlfriend. This lady lied to me... Told me I was responsible. Told me it was going on MY CREDIT REPORT. She couldnt tell me why this account had never showed up on my account previously, but it should. What rights do I have against this? They apparently had looked up a previous credit application my ex and I had filled out when we were still married to get my parents phone number. But to sit there and tell me I owe the debt? How many other people have they done this too? What can I do to prevent this? I will take any advise.
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