Legal Question in Credit and Debt Law in California

You will have to treat this as identity theft. Call the police and file a report first. Next, you will have to contact the creditor with the information from the police report, and indicate that the charges and account were fraudulently created without your permission. Do this both by phone and in writing. You must also dispute the accounts on your credit report with each of the major credit reporting bureaus. Do some research on how to deal with identity theft - there is a lot of information available on government website regarding how one deals with stolen identity. Those are very good resources as they can walk you through step-by-step how to deal with this problem. Start with the Federal Trade Commission's website and work down to the California State Attorney General's website. They all contain good information about this subject.

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