<prompt> Human: Went shopping for mattresses, and the employee offered to check and see what we would be approved for if we decided to finance. We agreed, and the employee took down a lot of information SSN, address, DOB, income, etc. He came back and said we were approved for something around 7800 in financing.We ended up leaving and going to a different store. A few weeks later, Credit Karma reports a 50 point hit on our credit. Then a day or two after that we get a letter from Synchrony Bank giving us our two new credit cards. That we never signed for or agreed to.I called the bank immediately, cancelled the account, and explained multiple times that we did not sign up for this account, and that we were misled. We only agreed to checking to see what we could get approved for, not for actually getting a card. The rep on the phone was helpful, and got the request submitted.Fast-forward to a month later, and I get this letter: Ive replied via their online contact form explaining the situation again and demanding the account be removed from my credit history. Im not sure what I should do next. Suggestions?Edit: Well this exploded and first gold to boot! Thanks, Stranger. Ive gotten several PMs from folks in both Synchrony and Mattress Firm offering to help, and a lot of really good advice here. I have a lot to read, more information to gather, and hopefully can get this resolved amicably. I really, truly appreciate everyones insight.Assistant: Contact the credit reporting agencies and declare a false account fraud. Contact a lawyer and let the creditor know your intent.Human: Ive never worked with a lawyer before. If I do end up needing to, is there a specific type I need to talk to?  <response>: You can also call your states bar association. They will let you know of lawyers in your area who take these sort of cases. 