Police Report is Generally Required

On June 2003 I notice on my credit a company. This company stated I was late over 120 day for a lease payment. After writing the credit bureau about this company that I never had done business with a write this company the ftc and better business bureau about this company being on my credit and stating that I owe over 4,000. I have spent the last 4 1/2 years disputing this creditor.

Each time they tell you to do diffent things to prove that this was not you and each time it change. However, from your website I did the validation letter. This company after 4 year send me a contract with my name and address of where I use to live, with my bank account infomration that I had to report to the back becaue my account information was loss/stolen when I had moved durning that time period.

I write to them that an affidavitt about this account was not mine and the signature on the contract is not even mine. I even sent them a copy of my drivers License and this company wrote me stating that they forward my delinqent account to an outside collection and that they will not response to any letter I send them and that there contract cannot be concelled and that I am personally liable for the terms of their contract. But its not mine. what to do. I have done all!!!

Yolanda

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Hi Yolanda,

This appears to be an account that was the result of identity theft.  The tradeline can be blocked at the CRA level if you take these identity theft steps.

I have also emailed you the contact information for a consumer lawyer, as it would appear to me you may have an FCRA case against the furnisher.

By the way, you have not quite yet “done all”, because filing a police report is part of the identity theft procedure. 

Thanks for the questions and check your email.

Paul

This author is not an attorney and this information should not be considered legal advice.  Please consult an attorney for legal advice.