Backdate To The Future

(I have just checked my credit report for the first time, and notice a store credit card I had never opened. I call the credit company to report this.)

Me: “My report lists a delinquent account on a [Store] credit card. I’ve never had a card with that store.”

CSR: “It says here the account was opened in 1974.”

Me: “Well, that must be a mistake. I wasn’t born until 1978.”

CSR: “Could you have opened the account and then forgotten about it?”

Me: “…I’m going to need to speak to someone else.”