Last month one of the Evil Banks who owns the plastic-related segment of my soul sent me a notification to the effect that they were going to pile a few extra percentage points on some Visa card or other. I objected, and said so in return mail; they acknowledged the exception in what we will call Letter 1.
And then I opened Letter 2, which contained an explanation of why they did what they did, which surprised me very little until I noticed that they were referencing an account ending in, oh, let’s call it 1234.
I have no accounts ending in the digits indicated, from them or from anyone else.
Best possible interpretation: they’ve conflated someone else’s debt with mine.
The pertinent credit-reporting agency has been tapped for a fresh report. The bottom of this will be gotten to.