• Report: #383570

Complaint Review: THD/CB SD, The Home Depot/Citi-Bank South Dakota

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  • Submitted: Tue, October 21, 2008
  • Updated: Tue, October 21, 2008

  • Reported By:CARNELIAN BAY California
THD/CB SD, The Home Depot/Citi-Bank South Dakota
P.O. Box 6497 Sioux Falls, South Dakota U.S.A.

The Home Depot - Citi-Bank South Dakota ME TOO!! I ALSO HAVE THIS MYSTERY ACCOUNT ON THE CREDIT REPORT Sioux Falls South Dakota

*Consumer Comment: Authorized User

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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.

This report was posted on Ripoff Report on 10/21/2008 08:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/THDCB-SD-The-Home-DepotCiti-Bank-South-Dakota/Sioux-Falls-South-Dakota-57117/The-Home-Depot-Citi-Bank-South-Dakota-ME-TOO-I-ALSO-HAVE-THIS-MYSTERY-ACCOUNT-ON-THE-383570. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Authorized User

AUTHOR: Robert - (U.S.A.)

"...this account says 'authorized user'"

Someone has added you as an Authorized User on their Home Depot Credit Card. Since you are only an Authorized User you are not responsible for the debt therefore you never had to sign anything. However, it is legal for them to place this listing on your credit report.

If you have no idea who would add you on as an Authorized user what you need to do first is send in a dispute to the Credit Reporting Agency. If they do not remove it then call the credit card directly and see if they can give you information on at least who's account it is. They probably won't but it is worth a try.

If you do have an idea who added you then have them contact HD/Citi and have you removed. This will remove the listing from your credit report.
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