Experian ripoff Allen Texas

I applied for a personal/credit to a phone-in consumer loan center (CLC) and after minor haggling, the aforementioned reconsidered my loan request - however, my acquiring the loan, I was advised is/was dependent on two things:
1) my retirement/proof of income which I possess, and
2) a matter which I find most disturbing: one, the First Premier Bank Card Services (FPBCS,Sioux Falls, SD) reported to one, Experian credit bureau, a Four-hundred and four-dollar ($404.00) 'delinquent' charge in my name.
I was truthful in advising the CLC that I had/have no knowledge of ever applying nor had ever had a FPB credit card, much less, charged the above amount -but advised the CLC that I would find out.

In investigating this matter, I found out that my husband, Russell A. Hatfield had, indeed, applied on-line for and had gotten a FPB credit card (Acct.#4301718001194054). He stated that he had,
as well, gotten an extra one for me. I have no recollection of ever having the card in my possession, much less charging anything on it.

The facts are: 1) I did not authorize and/or nor)applied/requested for an FPB credit card; 2) furthermore, please let the records show, as proof that I have/have never signed off on any kind of purchase(s) made on an FPB credit card; and 3) that my husband, Russell, be charged/be reported as such; and 4) that consequently, I am requesting that this be removed from my credit reports.

I am therefore, submitting this as a rebuttal and would like your assistance in settling this matter. I would greatly appreciate your kind response as soon as possible. Thank you.