there are 3 different credit card collections that all credit goes through, you can ask your bank. you can tell them you suspect it,and they will send you all the records,if something doesnt seem to match up or you dont recognize something-then you can report it as credit card fraud. my guy just got his credit report... I dont know if its the same as what you'd need but the number is800 509 8495 www.experian.com/disputes