Recently I received a copy of my credit report, which contained a bad debt charge off against me. Applied Card Bank is listed as the creditor, the address listed is PO Box 10450, Wilmington, DE 19850. On September 07, 2006, I sent Applied Card Bank a notarized letter requesting a copy of the original agreement with my signature, as I am not aware of this account.
I gave them 30 days to reply before I contacted the BBB and the State Attorney General's office for both Delaware and Florida (my state of residence). Applied Card Bank received this letter at 12:33 p.m. on September 12, 2006.
As of October 16, 2006, I had not received ANY communication from Applied Card Bank, so I sent them a second notarized letter stating the above request and that I was now filing with the Attorney Generals' offices.
As of today, November 08, 2006, I have yet to receive anything from Applied Card Bank proving that this debt is mine. I am not aware of this account ever having been opened and want it removed from my credit report. I filed with all three credit bureaus, Equifax, TransUnion and Experian, with copies of my letter denying that this debt is legally mine.
Applied Card Bank will not communicate with me, will not send me proof that this debt is legally mine, yet they confirm with the credit bureaus that this debt is legitimate. It is not legitimate, it is illegal. This information is damaging to my credit, and they refuse to provide a copy of the original agreement containing my signature. I do not believe that they have anything with my legal signature, as I cannot recall ever opening an account with them. I do not have any cancelled checks written to them, so I've never made a payment on this account (which would be an acknowledgement that it was mine).
All I want is either proof with my signature, and if they can't provide that, I want it removed from my credit report with all three credit bureaus.
Applied Card Bank - Cross Country Bank keeps reporting this fraudulent information and refuses to communicate with me to get this situation resolved.