Our CRB is listing an account that we have never had. MBNA issuied a card to someone who lived in a different state, who used my husband's SS#. I can not understand why this happened. We have lived at the same address for over 20 years. MBNA did not contact us for over 8 months. and then they said we owed over 16,600. We can not get them to send us anything that shows a signature that is my husband's. If they had only contacted us at the address on our credit report before they issued the card we could have stopped this before anyone used this card. I guess that card companies just want the business and then what the person to pay with that SS#. We have never had anything like this happen before. We need some help as to what to next.
File a police report for identity fraud. Request validation from MBNA. Send them a copy of police report when asking for validation. Tell them you want to see something with your signature on it. Failing that, threaten to sue and then follow through if they won't cooperate.
