FIA Card Services VISA, MASTERCARD, and other charge cards for Bank of America.
They showed up on my Experian Credit Report a couple of months ago. It was then that I found out an account had been opened in my name in September without my knowledge. The person that opened the account stopped paying the bills; thus my report was notified of the no payment.in July my credit score was in the very high 800s and has been all of my life. (It's now @ 600, and have yet to miss paying a legitimate bill on time.
I immediately let Experian know this was a fraudulent account ($72,000 worth). For almost three months I have been sending FIA notarized documents, affidavits, forgery/fraud report, Police report, and here is the KICKER. I found out who the perpetrator was, contacted him; he promptly sent FIA a signed and notarized affidavit stating he opened the account without my knowledge, taking full financial responsibility for said account. (We had opened a small publishing business in the early Summer of therefore obtained my personal ID from that.)
FIA have the following in their possession, and still won't free me from this credit slavery:
1. Affidavit of Forgery/Fraud (ITAC affidavit from FIA) completed by myself.
2. Signed and notarized 2 PAGE affidavit from perpetrator clearly stating that I have no responsibility whatsoever for this credit account.
3. A signed letter constructed by FIA Card Services placing all financial responsibility on perpetrator.
4. Local Law Enforcement Economic Crimes Incident Report.
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