My credit score dropped from XXXX last winter to XXXX. I did n't know what could have been the issue since I pay my bills on time each month. I ordered a credit report and learned that XXXX XXXX who issued a credit card to my XXXX year old unemployed son two years ago reported to TransUnion and XXXX that I was delinquent in paying a credit card bill. I never applied for a card from XXXX XXXX, my son applied without my knowledge. My son was not employed on a regular basis when he received the credit card. He could n't find a full time job and has now returned to school to get a XXXX degree to try and find employment in his proposed career. He has been unable to pay off the {$1000.00} debt he incurred as a result of his unemployment status. XXXX XXXX sent offers to my home address regarding paying off the outstanding balance at a reduced amount. I suggested that he authorize me to negotiate on his behalf since I did n't want him to impair his credit which could negatively impact his job prospects. I had no knowledge that by doing so the bank would add me as a borrower and report the delinquency on my credit report XXXX. I called on his behalf and was unable to negotiate anything since the bank insisted the debt be paid off within XXXX months. I told them he could repay it within a year after completing an unpaid internship that is to hopefully lead to a paid job. I knew he did n't have the financial means to pay off the debt currently. I told the bank official I did n't want to pay off his debt since it would n't teach him a financial lesson. My refusal to pay off debt my son incurred on a credit card he should not have been issued resulted in XXXX XXXX reporting the delinquency as mine. I have spent years maintaining excellent credit and pay my bills on time and in full each month. The actions XXXX XXXX took by reporting my adult son 's delinquency as mine is wrong. I would like this investigated and would like XXXX XXXX to withdraw the negative credit report.