Hi to all...I'd like some advice on the following: In late Nov. 2007 an alert in my credit report informed me of a payment to a credit card as 30-days past due. Since my wife handles the bills in our household, I informed her of the alert, to which she said all bills had been paid. Come late Dec. 2007 another alert to my credit report states that the same payment was now 60-days past due. I file a dispute through Experian because we cannot find a bill or statement associated with the said account. Early Jan. 2008, results from the dispute investigation and conversations with the issuing bank confirm that a credit card with my name was used throughout town beginning in Aug. 2007. The issuing bank adds that the monthly credit card statements were sent to a different address. So in order to begin a fraud investigation, the issuing bank had to send me a letter to which I had to sign and send back to begin the investigation process (I also send a police report number for their reference). About a week later, I get a statement from the issuing bank that payment is due on the above disputed account, except now the the account has a different account number. So I call the bank again and explain the situation to which I am told to disregard the statement, since I had received and sent back the letter to begin the fraud investigation. Now a month passes, I receive second statement for payment past due on the same account--again I call the bank and explain, to a different person, the situation and that the account should be under investigation. She informs me that there is no record of an investigation on the account. She verifies my address, and says a "Letter of Affirmation" will be sent to me. She also says she can't tell me to disregard the latest statement like her colleague told me to do last month. So now I am at odds at what to do when this "Affirmation" arrives. Any idea what it is? Ultimately, will I have to pay the issuing bank for purchases I didn't make with a card I don't even have?

