Had $2000 credit car with them until about 2 1/2 months ago balance was $3000 paid them 1600 just got their letter stating they don't change credit listings that are accurate etc .I think I shouldn't have paid them and just waited 7 years now. Then was just going to send Debt validation requests until I read on here only for collection agencies? Truth is they won't be able to proof is my account as I'mm not even one signed up for someone did it without my permission but I still did use it for sometime along with the ex. Anyways they won't even agree to lower 29.9% apr since account is closed should I just pay it or just let it go as is now and not pay anymore?
If you used it and signed for charges, that would probably be enough to hold you liable if your name were on the account as the account owner or joint owner. If you didn't authorize opening an account in your name it is a little late to now claim that if you actually used it. If you were specifically "authorized user" and used it, you should not be legally liable, but you would have to assert that as the basis for disputing to get it removed.
