Fraud: Four Years Later

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I paid off my credit card a couple weeks ago, and today I got a letter saying that "based on a review of my credit history", my credit limit was reduced by 66%. The reason given was a "severely delinquent account" on my credit record. Now, I'm as financially responsible as is reasonable for a young American to be. I don't overdraft my accounts, I pay my bills on time, I don't have a million credit lines open, nor do I have any "delinquent" accounts. Oh, except that one. That one account that, when I think about it, brings seething tears of rage to my eyes.