I received a credit card from Chase. I immediately called them, explained that I didn’t want it, and they told me they would cancel it and purge the records. The next month, however, the statement arrived with a single charge of over $800 from Macromedia. Chase responded to my letter by just sending a copy of my statement. I wrote numerous certified letters and they replied with form letters that didn’t addresses the issue. Finally, I gave up and just ignored them. A company called “Georgia Receivables” owned by a lawyer here in Atlanta bought them. They sued me for it. I did get some legal advice from several lawyers and was able to successfully defend myself. Georgia Receivables gave up and dismissed the case. Chase had placed a charge-off on my credit reports for the bogus account. Given that the amount wasn’t very much, it looked like I could not even afford the $19 “minimum monthly payment.” I sent each of the credit reporting agencies a letter explaining the situation. All three credit reporting agencies wrote me back and told me that they would only accept a change initiated by Chase and that they would not accept documentation from me.