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I've had a ‘charge off' with Applied Bank credit card that's been on my credit report since 2013. Problem is, not only do I not know how this account got on my report, but neither does Applied! Yet it remains there. Finally, today, fed up with the negative mark on my credit reports, I decided to give it another shot and call them. I've already disputed this with the credit bureaus several times, but each time this company ‘validated' that the information they reported was correct. I asked today l, July 8th 2019 how much it would cost to just pay them to get rid of this, even though I truly believe it's fraud. They were actually super nice and friendly, but after talking to the higher ups in the company, they said they couldn't accept a dime from me because they have NO record of me ever having an account with them. There'd be no way to apply it to my ‘account' because there is none! I asked them "so if it actually were my debt and I wanted to pay it, how would I?" They stated that I couldn't have. That there'd be no way for them to accept money from someone they've got no record of owing them. I then asked the woman, Hailey, "ok, well then what is it you've been using to verify my account when you reply to the disputes Experian keeps sending you?" She stated that it wouldn't be possible for them to verify something that doesn't exist in their system. I then asked "is it possible this mystery debt was sold to a collection agency?" She stated that they only do in house collections, and that even if it were sent to an outside collector, they never get rid of that information. So naturally, my last question was "well can you remove it from my credit file?" She stated that she'd love to since clearly this is affecting me (and my ability to purchase a house as the lender requires it to me removed, even if I must pay a debt that isn't mine.) she stated unfortunately, she's not able to reach out to the bureaus and ask them to remove something she can't locate, and that my only course of action would be to dispute it again. I've done this. At least 3-4 times with no success. I then called Experian, the one reporting these bogus charges. They said the same thing, the only way to remove is to dispute it. I cannot have any open disputes while purchasing my home. It's my first home and I've got a family of 6 to care for. I'm now stuck with a horrible mark on my credit that no amount of money could even help, because I do not exist in this companies system, yet they continue to report it, and Experian continues to allow it. Yet my family gets to suffer the consequences of this clear case of fraud. All possible reports pertaining to this have been filed. I await a swift response so I can proceed with my home purchase.