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New Derogatory Tradeline, But Never Had This Credit Card?

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I just performed my monthly credit report check via CreditKarma and I have a new derogatory tradeline from Gravaman Asset Managment - Creditor is Comenity Bank. Says I owe $520 and account was opened April 2019.  It also says the highest balance was $750 and now the balance is $520. I've never heard of Comenity Bank. Never used them for anything.  I looked them up and they offer various store credit cards, like Victoria Secret, Lane Bryant, etc., so I know it can't be any account under my name because I've never, ever had a store credit card. I've always had 1 major Visa and my paypal card. And, I never received anything by mail about this, from the creditor or the collector. Where should I start so I can get this deleted off my report? Thank you!

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Have you ever had the PayPal Credit feature formerly called Bill Me Later?

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No. I have only used my PayPal to accept transfer money between friends. I shop now and again using my PayPal online, but I don't use any of those "Bill Me Later" features. I also never received any statements or cards from this Comenity Bank. I was going to call the debt collector to get more info but I read somewhere it's not smart to do that. 

 

Any ideas of where I should start to get this off my credit? They didn't even send me anything in the mail to validate this. Thanks for any ideas!

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11 hours ago, swf said:

I just performed my monthly credit report check via CreditKarma and I have a new derogatory tradeline from Gravaman Asset Managment - Creditor is Comenity Bank. Says I owe $520 and account was opened April 2019.  It also says the highest balance was $750 and now the balance is $520. I've never heard of Comenity Bank. Never used them for anything.  I looked them up and they offer various store credit cards, like Victoria Secret, Lane Bryant, etc., so I know it can't be any account under my name because I've never, ever had a store credit card. I've always had 1 major Visa and my paypal card. And, I never received anything by mail about this, from the creditor or the collector. Where should I start so I can get this deleted off my report? Thank you!

 

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2 hours ago, swf said:

No. I have only used my PayPal to accept transfer money between friends. I shop now and again using my PayPal online, but I don't use any of those "Bill Me Later" features. I also never received any statements or cards from this Comenity Bank. I was going to call the debt collector to get more info but I read somewhere it's not smart to do that. 

 

Any ideas of where I should start to get this off my credit? They didn't even send me anything in the mail to validate this. Thanks for any ideas!

 

I wish I had answers, but this is above my pay grade and I don't want to steer you wrong.  Hopefully some other forum members will pitch in. 

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