You are definitely not liable if you did not sign or give an app verbally. If this were the case I have three employees with authorized use on my business cards.
So I could buy a new cig deny to pay and they would have to buck up! Hmmmm sounds like a plan "NOT" It is funny how these companies treat people they just assume your dirt and guilty! You can also get to the bureaus on line and make a dispute and even see if the account exist as your responsibility.I check credit regular.
Good luck, Jim