<prompt> Human: Back in May I had my info compromised. I think someone actually stole my mail. I had a Capital One, AMEX, First Premier Bank, Home Depot, and Walmart accounts all opened within a month. I spent 4 hours on the phone with all the companies, canceling everything and called one credit bureau to report it, and had them notify the other two bureaus.I checked my credit report yesterday, and First Premier Bank put a 60 day late ding on my report. I called today, and they said they did cancel the account, but their security team is holding me responsible for the charges. They asked if I made a police report, and I said no, I called every company and told them it was fraudulent. They said they investigated and determined I in fact opened the account and didnt make payments, and since theres no police report, they are assuming I did it.I asked them if the record of me calling immediately and reporting it as fraud wasnt good enough for them, and they said no. I have 3 credit cards with over a 40K credit limit, and never missed a payment, I told them why would I open a 500 limit card, shop at 7-11 and McDonalds, and just say fuck it. Not paying it.They basically told me Im SOL. I just moved, am trying to sell my house, and buy another one. This is literally the shittiest time for this to happen. My score went from 760 to 600, I cant even get approved to rent without paying out the ass, let alone buy anything. They also said they report a month behind, and the account is 92 days late now a total charge of 300, so next month, my credit will plummet even more. Im not paying it, because I never opened it, and it IMO would be an admission of guilt.Honestly, what the fuck am I supposed to do now? I spent the last 7-8 years building my credit; never missed a house, car, or credit card payment, and built my credit to a great score, only to have some stealing asshole ruin all my shit, to where I cant even afford a place now.Any help would be so greatly appreciated, Im on the verge of tears.  <response>: File the police report now. Contact your state attorney generala office immediately after. 