I had noticed an account on my credit reports from the three major credit bureaus, Experian, TransUnion, and Equifax, from Webbank/Fingerhut. An account I had not authorized, nor had any knowledge of. The account had been closed as a Charge Off with zero balance. Then I noticed a collections from LVMV Funding LLC, with Webbank/Fingerhut as the original creditor. Rather than speak to LVMV Funding LLC, I called Webbank/Fingerhut to dispute the account. Upon calling I was transferred to a fraud agent to discuss this matter. I told the agent that I had never applied for a Webbank/Fingerhut account or it's services, and that the account was opened fraudulently. That is when the agent went from being civil and cordial to being cantankerous and condescending, falling short of calling me a lair. The agent went on to tell me that there were four payments made on the account, that people who open accounts fraudulently by means of Identity Theft don't pay on the account. So the agent dismissed my request for this matter to be investigated. And told me from now on to contact LVNV Funding LLC because it owns the account. I don't know how to handle this. I did file a police report on this matter, and also an Identity Theft Report with the FTC. I also contacted Experian, TransUnion, and Equifax, and asked them to open a dispute for me. This since Webbank/Fingerhut refuses to do so. And I added a fraud alert with all three credit bureaus. Other than that I don't know what else to do. Any advice?
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