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When I returned from Iraq, I found my house burglared and ransacked. The thieves had stolen among other things some identiy information and had begun to open credit cards in my name and siphoning funds from my bank account.

It took me a long time to clear up much of this mess, but there remain a few, this company in particular that continued to hold me responsible to pay my burglars bills. Police report from the local police made no difference to them, and they would not produce any copy of my signature opening the account.

But they are allowed to report me  as a deadbeat They then sell this debt to collection agencies, that then sell it to another collection agency and so on... That way the negative debt report can remain on my record forever. The credit reporting agencies belive these banks way too much.