<prompt> Human: Hello!This fall, I went to USBank to get a new debit card after I lost mine and when I was there, the banker kept urging me to get a credit card. Im a student with loans already a a credit card with a max of 500 and I didnt need one and I told him over and over.I leave the bank thinking its fine. Fast forward to a month or so later, Im on my account and I see something I didnt notice before. A credit line of 1,000. I called the bank ASAP to let them know I did not want this card at all and didnt willingly sign up for it. I have to jump through hoops and talk to a bunch of people and now finally as of a few weeks ago, the account is closed.But I looked at my credit statement and my credit score went down because of this or so it states on Credit Karma. Is there any way I can fix this and get it off my credit report entirely?  <response>: For a bank to legally open an account there needs to be a signed borrowers authorization form which gets signed after the opening of the credit line. If the local bank that opened the account doesnt have one on file that you signed then there is paperwork that can get submitted that goes way up the food chain. Also- definitely contact the credit reporting agencies and file a claim that a line of credit was opened falsely in your name. Another Also- on the subject of credit scores, it sounds like you have little credit history and only a few products open. The hard inquiry probably hit your score harder than normal because of that. Normally applying for credit cards, loans, and etc. is not a bad thing unless it becomes way too frequent. You dont want to seem like youre relying on credit cards or borrowed money to live your life. You shouldnt be afraid of credit cards because establishing credit early on is extremely important. 