My credit report shows an AMEX credit card with a 7,000+ balance, 14,000 limit and payments of $95/month for over two years and up to date. I have no idea of this credit card and especially a monthly payment which I show nowhere in my records. Please explain.
I had this happen to me. I was on a relatives credit card account as an authorized user. Their credit was reported on my report to help build my credit. I forgot about this arrangement and no longer have the card. I asked the relative to cancel the card in my name and then my credit report stopped reporting the account. If this does not explain the account on your profile. It is possible someone has taken your identity to open an account. You will need to open a dispute with the credit report service to verify the account.