In Dec. 2011 a fradulent credit card was issued in my name. I was on vacation at the time and knew nothing about this account being opened. I only found out about this account when Capital One started calling me for past due payments. I called David S. (all the name they will supply) in the fraud protection dept. After speaking with him I filed a police report. Later I found a family member was responsible for opening this account!
When I found out a family member was responsible I chose not to file charges. I called this David S. And he told me there was another way to resolve this account. He would send a form having this party take responsibilty for the account. I had them fill it out with thier personal info. Address, phone etc. And I mailed it back as well as faxed them a copy.
Now here's the RIP OFF! I was very concerned about my credit and was told when the responsible party files the needed paperwork this account would be taken off my credit. Well that certainly didn't happen!!! Now they say the account even though I knew nothing about it, (even the responsible party has told them I knew nothing about this account being opened) I am still responsible and they have left it on my credit which shows as 190 days delinquent and will stay has showing late payments on my credit even after this person pays it off, which will take some time.
This is not fair of Capital One to destroy my credit, when they know that I had nothing to do with opening this fraudulent credit card account.
Help! Is there anything I can do?
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