On XXXX XXXX I received the attached letter from " FORD : Security Operations ; XXXX XXXX S.D. ( believed to be XXXX XXXX ). The letter is very disturbing threating reinstatement of an unpaid account & financial delinquency reporting to Credit Agencies. The report is specious and unsubstantiated. The Ford Service Credit Card : XXXX never solicited by me. Unknown to me the credit line was initiated in XX/XX/XXXX & paid in full that year. In XX/XX/XXXX a hard copy credit card was received in the mail. Upon receipt & investigation the account was cancel with a balance of XXXX ( XXXX ). The plastic card was destroyed. On XXXX XXXX XXXX the issuing bank was called : In summary their transcribed report stated : " Account close with XXXX balance '' 
