<prompt> Human: She opened it in name after a pre-approved letter came in the mail and has just told me now. I had wondered why my credit score was going to crap, but I just thought was it because I had high credit utilization. She apparently had already contacted the catalog and now has told me after, that they said they wouldnt rescind the report to credit bureaus. Am I on hook for this late payment? My identity was basically stolen. The catalog in question is Fingerhut, if anyone wants to know.EDIT: She has now paid it off entirely but hadnt ever paid it since November.  <response>: this is identity theft and should be treated as such 