Capital One Consumer Loan Complaint

Capital One Consumer Loan department,

Installment loan Managing the loan or lease Illinois

I 'm being charged a balance of $190.00 by Capitol One who says this event occurred in - of 2010, after speaking with them on the phone tonight they said the address they had for when the incident occurred is my current address which is incorrect because i lived at another home at that time and was away at college. They 're offering a lower payment to make this go away quickly but why should i have to pay anything at all when i 'm not the individual who applied for this card and used money off of it.