Internet Fraud

my husband found out that someone got a credit card in his name this happend back in 2002 but he did not find out about it until we bought our house last year. now the credit card company is coming after him for non payment he told them that it was fraud and that he wanted proof from them that he opened the account and he wants verification of signature but the company is not corroporating and now they are threatingin to take him to court for garnishment. My husband thinks he knows who may have done it what else can we do.. the credit card company keeps stating they have sent us the info and we have not received anything, now there lawyers are coming after us they just want it paid off and with interest the amount is over $3000.00 we keep telling them that it is fraud and they just keep calling what can we do from here??????

I think you should contact the credit bureaus and they will advise you, also get the advise of an Attorney or Legal Aid if you cannot afford an Attorney. If you had kept a track on your accounts that you have and get a credit report often you would have found out much sooner.

You start by filing a police report. Then go to the federal trade commission website and fill out an affidavit for fraud. Then contact all three credit bureaus and contest the validity of the debt. Send them a copy of the police report. If the credit card has gone into collections look at the back of the collections letter for information how to contest the debt. Do not pay anyone anything or agree to any type of repayment. What has occurred to your husband is a crime and should be treated accordingly. If your husband knows who may have committed the fraud it should be listed on the police report. As far as the credit card company goes keep asking for the paperwork, mail everything certified, if the credit card is through a local bank go to the branch and complain. Also if the credit card company refuses to mail the paperwork complain to the card management company call VISA, MasterCard or whom ever issues the card and also explain your situation.