<prompt> Human: Well, Ill get right to it.Ive been meticulously rebuilding my credit after defaulting student loans several years ago. Those efforts paid off nicely, with my score rising from the high-500s all the way to 717.Everything was coming along nicely until I received a collections email last month for a CenturyLink account that I never signed up for. The amount is for about 400. I was expecting a slight hit on my CR, but this morning I logged into MyFico to see that my score had plummeted to 672. Shit.After doing some research, I found out my Dad had created a CenturyLink account in my name in the mid-to-late-2000s, then wound up never paying an outstanding balance. Im surprised it took so long to show up on my CR report, but here we are.Its incredibly disheartening to have this happen after making so much progress. As far as him using my name SSN, Im not too surprised; hes always been a flake, financially.Anyhow, Im not sure what to do next. My Dad has cancer and it would be destabilizing to my family to bring legal action against him. But its unjust for me to have this hit on my credit and be on the hook to owe 400 because of actions I never took.Any advice here would be greatly appreciated. Feeling an little overwhelmed and helpless right now...  <response>: Id talk with your family about what happened, but ultimately, just because he has cancer does NOT mean its okay for any past actions..this can affect your life and you have every reason and right to fix the situation in any way possible. Anyone who is rational would understand why you need to do what you have to do. 