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Card was charged for something you did not purchase with the card. On XX/XX/XXXX I was called by a creditor Nelson Cruz and Associate they claimed I owed XXXX XXXX XXXX XXXX {$12000.00} from XXXX thru XXXX ... I never had a credit card with XXXX or applied for credit with them ... On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke in someone in customer service along Security and Fraud Dept. I gave them my personal info SS #, DOB, address and they did not have me in there records.. I called XXXX, XXXX and XXXX I ordered my credit report and XXXX XXXX XXXXXXXX XXXX XXXX not on my credit report ... Nelson Cruz and Associate will not give me the bill from XXXX XXXX instead they want to settle for {$4000.00} over the phone, They continue to harass me with threats, arrest, lawsuit, vehic