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Midland Credit Management Letter - Not My Credit Card

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Need help with suggestions. I received a Midland Credit Management letter for a ~$2500 credit card from Capital One for a big box store. Problem is I never took out that line of credit. My first thought was to check my credit reports for a fraudulent identity theft situation, but this line of credit doesn't exist on any of my credit reports as opened/closed/even existing. The only thing related to this on any of my credit reports is where I see MCM pulled my credit report from TransUnion 4 times in August within similar dates. Suggestions for what I should do?

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Which store card is this? 


Occasionally entire portfolios change hands, so it's possible, for example, that a Walmart card that was issued and serviced by Synchrony could have become a Capital One trade line.


Another consideration, potentially unrelated to the previous point...  If the debt is over ~7 years old, it's possible that the OC TL is no longer on your reports, but a debt buyer can attempt to collect forever.  


Which credit reports have you checked, and how did you access them?

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To follow on what CV is saying, do you have ANY accounts that are delinquent and went to a charge-off status, whether they ever reported or not.  Did you co-sign for anyone who acquired an account?


You will want to craft a tailored letter specific to your situation and that places the entirety of the matter into dispute.  Include the requisite affidavits related to fraud/identity theft if this is TRULY not your account. 

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