AFTER XXXX YEARS I HAVE JUST NOW BEEN MADE AWARE OF A DEBT BY CITIBANK I DID NOT KNOW OF. BACK IN XX/XX/XXXX, XXXX I HAD A FRAUD ALERT PLACED DUE TO MY EX TAKING MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I 'M IN THE PROCESS OF REFINANCING MY HOME AND FOUND OUT BY LOAN PROCESSOR OF JUDGEMENT ON TITLE OF HOME. I WAS NEVER NOTIFIED OF ANY COURT PROCEDING ' JUDGEMENT AND DID N'T EVEN HAVE A CHANCE TO FIGHT IT. FROM XX/XX/XXXX TO XXXX I DID NOT LIVE AT THE HOME. PLUS I HAD BEEN XXXX IN XX/XX/XXXX AND AT THAT TIME LIVED WITH MY MOTHER. PLUS I FOUND AN OLD CREDIT REPORT OF MINE DATED XXXX OR XX/XX/XXXX AND THIS SAME ACCOUNT FROM CITIBANKXXXX HAD BEEN CHARGED OFF AND WRITTEN OFF FOR THE AMOUNT OF XXXX I DO N'T UNDERSTAND WHY XXXX MONTHS LATER THEY WOULD PLACE A JUDGEMENT ON SAID PROPERTY TITLE.