<prompt> Human: I just graduated college and changed my official address from my mothers house to my apartment. Today I received a letter in the mail from a debt collector saying I owe 1300. The original creditor is listed as Fingerhut. This account is also appearing on my credit reports. Apparently it was opened in 2008 and charged off in late 2011. Im pretty sure my mother opened this account in my name without my consent. I remember seeing Fingerhut catalogs lying around her house about that time. Obviously, she has been getting these letters and throwing them away while I was away at college. The letter says I have 30 days to respond or they will assume the debt is valid. What steps should I take to remedy this? Should I dispute this with the debt collector? With the credit reports? Will I have to file a police report?EDIT: Thanks to everyone who has responded. I have a much better game plan than I did before thanks to you guys. Im going to dispute with the credit bureaus immediately, write a letter back to the collection agency indicating the debt is not mine, and ask my mother to repay this.  <response>: I dont have anything useful to add, but who the fuck names their company Fingerhut? 