<prompt> Human: I received two letters in the mail yesterday one from Synchrony Bank saying they sold my account to Crown Asset Management. The other one is from CAM stating theyve purchased the account.I spoke with both companies and Synchrony said I would need to speak with CAM and CAM said that Id have to wait until the end of the month when the account goes to collection before I can claim it was opened fraudulently. I have a Credit Karma account and I can see that the account is there, apparently someone opened a Walmart credit card in 2015 with 150 limit and immediately spent 144 of it. I never got any mail or calls about it being in delinquency until yesterday. Ive tried to dispute it on Credit Karma but that function seems to be down for the moment. So now Im not sure how to go about 1: getting this off of my credit report, or if thats even worth the effort and 2: how to deal with CAM when it goes to collections Are there any decent guideshow-tos out there? Thanks  <response>: Follow the process on and send the police report and identity theft affidavit to everyone. By law within 5 days of receiving it the consumer reporting agencies must remove it from your credit reports. 