Under the Fair Credit Reporting Act (FCRA) there are several rights available to you that may help.
You can see the entire FCRA here
If this was done by fraud, without your knowledge, you would not be liable for the charges and the bank would not be allowed to report them on your credit report. First you would need to notify local law enforcement to report this...keep a copy of the police report
Second, you need to write to the credit reporting agency disputing the item. When they receive your letter disputing the bill and the balance shown, they must investigate the item in dispute (usually within 30 days) by presenting the information you submit to the creditor. The creditor must review your evidence and report its findings to the credit bureau. The credit bureau must then give you a written report of its investigation
and a copy of your report if the report results in a change.
Third, you should notify the creditor (prodiving them a copy of the police report as well) and demand that they remove the negative report.
If the creditor refuses, you can then sue them. Sections 616 and 617 of the federal "Fair Credit Reporting Act" permit you to sue for "Willful Noncompliance" or "Negligent Noncompliance" of the FCRA. Also, report it to the Federal Trade Commission, Washington, DC 20580. While they cannot act as legal counsel in private disputes, your information may be vital to the enforcement of the FCRA.
I would also likely file a state claim for defamation, if their information is wrong and they've been apprised. Once litigation is started, it is possible that you may THEN get to see/demand all info in their file regarding this issue, via a discovery demand.
I agree with you...to allow someone else to forge your "signature" this simply seems wrong...that is why I recommend above that you sue for non-compliance AND defamation if they do not comply with your demand to remove the offending items.
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