<prompt> Human: So I live in NYC and have moved multiple times over the past few years and never received anything about this debt until I got the phone call today. The company was portfolio recovery based out of Virginia. I made a claim with them that this was fraud and I had nothing to do with it. I have never even stepped into a capital one bank. I am thinking someone got my mail at my old address and used it to open the account What do I do from here? . I am 27 and Live paycheck to paycheck but I never ever accumulated debt. How bad has this wrecked my credit? Is there a way to see if there is anything else like this going on? Should I sign up for lifelock or some other identityfraud management service? Portfolio recovery told me the statue of limitations is up, how does this effect the situation. Any help is more than appreciated. Thank you all.  <response>: Follow the process on Basically if you send a police report and identity theft affidavit to Equifax, Experian, and Tranunion theyre required by law to remove it from your credit reports within 5 days. 