THD/CD SD, The Home Depot/Citi-Bank South Dakota, has established a false account in my name. The account includes a fabricated payment schedule and monthly account balance. The information came to my attention after the account indicated a 30-day late payment and showed up on my credit history.
I was working in Africa with the U.S. Government during the time the credit history report indicates the account was opened. I was not in the USA and could not have shopped at a Home Depot store. I do not shop at the Home Depot. There are no Home Depot stores within 100 miles of my home. I shop at Lowes for home repair items. I infrequently use store credit cards and the Home Depot is not among the few select store credit cards I do have.
A clear indicator the account balance is fabricated is a three month balance of $30, $31, and $32 consecutively. Another strong clue is a consecutive three month period where the balance stayed the same, unchanged at $566, for three straight months. Another unchanging balance shows up in the false account during two consecutive months, at $464.
The goal of the false account information posted in my name seems to be to adversely affect my credit history. Money is not charged to my account, because no such account exists. The one 30-day late payment makes it a negative item on my credit report.
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