<prompt> Human: I tried to get a second credit card and I got denied because I had a collection item against me in my report. I called up Equifax and they told me that a gym is attempting to collect 400 dollars from me because I never paid my membership fees that I signed. Heres the thing I never signed that piece of paper that the creditor has shown me. I dont know anything about that gym and I was 16 years old in 2012 so how the hell did they even let a random 16 year old with no Id to sign that piece of paper? What do I do in the case of a possible Id fraud? Is it even worth going to the police station for a collection item thats gonn expire soon?  <response>: You need to dispute that charge. Let the credit bureaus know that you were 16 at the time, which most likely means you couldnt legally sign a contract. Once that is removed, watch your credit reports and make sure it doesnt show up like a zombie. 