THD/ CB SD, The Home Depot /Citi-Bank South Dakota Established false account and payment history with a 30-day late payment included Sioux Falls South Dakota

Lowes credit cards are handled by GE Money, as are JC Penney Belks, Mervyns and others.

You may not even be aware you have an account with GEMB through a store credit card

GEMB lost 650,000 customer records in Oct 2007, they did not publicly announce the loss until Jan 08, and did not make an honest effort to notify the account holders about the potential identity theft. Everyone who had any account with GEMB is at risk.

They claim to have located the missing data tape, and they also claim that it was never accessed. However there are too many people who can access that data tape and never leave a trace. GEMB thinks its customers are stupid as well.

If you have unauthorized charges on existing accounts, or discover unknown new accounts on your credit reports - this is probably why.

I discovered this data loss while I researching GEMB on the internet as I am currently fighting with GEMB in regards to fraudulent activity on my JC Penney account.

Myself & a boyfriend purchased a washer &dryer for a house we purchased together. He was the primary of the acct. I was added as an 'authorized user' on the account & issued a card in my name in order to purchase things for the house. According to the customer service rep. @ home depot this account neither penalizes nor builds my credit rating. I DID NOT have another person open an account in my name.
Home Depot was very helpful.
Good Luck

I just ran a credit report w/ Experian. I also found an account claiming to be opened since 2005!! I have ran previous credit report that did not have this account on it---?!? The report says that @ one point it had a balance equal to half the credit limit! A credit limit I've only gotten once! I am very concerned about this. Has anybody had any success 'closing' this ghost account or finding out how & who opened this account? All my other accounts say 'individual' this account says 'authorized user'! what the f*ck?!? Who or what is this?! I welcome any & all info regarding this. thankx Ruby CARNELIAN BAY, California
U.S.A.

I just ran a credit report w/ Experian. I also found an account claiming to be opened since 2005!! I have ran previous credit report that did not have this account on it---?!? The report says that @ one point it had a balance equal to half the credit limit! A credit limit I've only gotten once! I am very concerned about this. Has anybody had any success 'closing' this ghost account or finding out how & who opened this account? All my other accounts say 'individual' this account says 'authorized user'! what the f*ck?!? Who or what is this?! I welcome any & all info regarding this. thankx Ruby CARNELIAN BAY, California
U.S.A.

I just ran a credit report w/ Experian. I also found an account claiming to be opened since 2005!! I have ran previous credit report that did not have this account on it---?!? The report says that @ one point it had a balance equal to half the credit limit! A credit limit I've only gotten once! I am very concerned about this. Has anybody had any success 'closing' this ghost account or finding out how & who opened this account? All my other accounts say 'individual' this account says 'authorized user'! what the f*ck?!? Who or what is this?! I welcome any & all info regarding this. thankx Ruby CARNELIAN BAY, California
U.S.A.

I just ran a credit report w/ Experian. I also found an account claiming to be opened since 2005!! I have ran previous credit report that did not have this account on it---?!? The report says that @ one point it had a balance equal to half the credit limit! A credit limit I've only gotten once! I am very concerned about this. Has anybody had any success 'closing' this ghost account or finding out how & who opened this account? All my other accounts say 'individual' this account says 'authorized user'! what the f*ck?!? Who or what is this?! I welcome any & all info regarding this. thankx Ruby CARNELIAN BAY, California
U.S.A.

I just checked my credit report and I'm trying to figure out what's going on. I have an account titled THD/CBSD from Sioux Falls SD with a balance but no late fees yet. I am going to try to get it off of my credit report. I just wanted to let you know you aren't alone and it is a scam, it's happened to both of us and I'm not sure it's just coincidental.

I just checked my credit report and I'm trying to figure out what's going on. I have an account titled THD/CBSD from Sioux Falls SD with a balance but no late fees yet. I am going to try to get it off of my credit report. I just wanted to let you know you aren't alone and it is a scam, it's happened to both of us and I'm not sure it's just coincidental.

I just checked my credit report and I'm trying to figure out what's going on. I have an account titled THD/CBSD from Sioux Falls SD with a balance but no late fees yet. I am going to try to get it off of my credit report. I just wanted to let you know you aren't alone and it is a scam, it's happened to both of us and I'm not sure it's just coincidental.

I just checked my credit report and I'm trying to figure out what's going on. I have an account titled THD/CBSD from Sioux Falls SD with a balance but no late fees yet. I am going to try to get it off of my credit report. I just wanted to let you know you aren't alone and it is a scam, it's happened to both of us and I'm not sure it's just coincidental.

While I agree it is a pain to deal with the Credit Reporting Agency that is where this issue lies. It sounds as if someone has gotten your info while you were away. The only way to really get anywhere is to send them a CERTIFIED letter return reciept requested and explain that you're a victim of identiy theft. They then have 30 days to take off anything that is true.........

You will have to call Home Depot's Fraud Department and let them know these are not your charges, where you were, when you last charged etc...

All of this is a pain, but it is not the Company's fault, it is the fault of whoever charged on it. You're attacking the wrong people. Very often it is someone you know, so you probably should be looking closer to home.

One has the wrong last name for me. My name was legally changed and the other 2 bureaus report it correctly. Their terms of having it fixed were: mail us your ORIGINAL Social Security card!

Needless to say, I will never mail my Social Security card to a company.

Okay so you are saying that a major nationwide company just decided to open up an account in your name, put a balance and call it 30 days late on your credit report. The reason they would do this is what? Did they just randomly pick you out of the crowd and say "Hey..let's cause Sara from NC some trouble?". The answer is NO.

If you don't have an account, in reality one of two things happened.

The first is that at some point some numbers got transposed and someone elses information got put on your report. This could have been at any level from the initial application up to the actual Credit Bureaus. This actually happens quite often, and while anoying it is an honest mistake and relativly easy to fix.

All you need to do is send in a dispute to the Credit Bureau. State what you stated here as to why it can't be your account. They will investigate and it should be removed.

The second thing it might be is more serious. This is where you have a case of identity theft. In this case someone intentionally opened up an account in your name. Here you could also start with the dispute to the Credit Bureau. However, if it comes back as verified you are going to have to take it to the next step and talk to the Fraud Department at the Credit Card company. If this happens it is not the fault of Home Depot, it is the fault of the person who comitted the crime. If the person presented information that said they were you, HD has no reason to doubt it, they have no way to know that you are actually somewhere else.