The only delinquency I have on my credit report is a charge off for 1400 from verizon wireless. I joined a credit monitoring website last july 2009.. an i was taken aback by a hard inquiry by verizon wireless. Ive had tmobile for 7 years. neve went to verizon. i called verizon and was told an account had been opened in my name and was 2 months behind for a total of 900! After some research i found out that this account was opened by my mother because they required her to pay a deposit for obvious reasons.. i live on campus at school however my permanent address is still my mothers address. I filed fraud with verizon an was denied because my address was the same as my mothers an she refused to pay. i was stuck with the bill that i could not pay before it charged off. ofcourse i did not know about the pay for delete and i just went ahead and paid the bill. i called the collection agency and they said it would not be removed. a few days after i made the full payment i received a letter from verizon stating that it was confirmation that amendments have been filed to have the above referenced account as deleted from m y credit report and to allow 60 days. After 60 days i noticed that it was still on my credit report. i called verizon and they stated that it will not be removed and that they sent me this letter by mistake. even if this was by mistake.. does this letter give me leverage to have it removed? ps. just another side not.. if my credit scores are ~653, 657, a 679 with the charge off.. how much would my score increase after its removal? Any advice would be appreciated.
I would keep fighting with Verizon to get what you want because this is clearly ID theft. I don't know how much leverage you'll get from the letter they "accidentally" sent you, but any reasonable customer service person should understand that Verizon shouldn't be further penalizing you for trying to do the right thing by taking care of this mess your mother made. So keep pushing and searching for the right person that actually has the authority to help you out. Also, it's difficult to tell you exactly how much your scores would increase because so many other variables are in the mix, but if this is the only negative mark on your reports than I think it's safe to assume you would see quite a bump in all your scores - at least 50-80 points and probably more. No one can say for sure though.
So I complaing to the BBB, FCC, sorry for the ignorance, but whats an AG? I also sent a copy of the letter and a statement to all 3 major CBs. Pat Loverde at the Verizon contacted me and basically reiterated what the fraud investigation team stated and said that because The addresses are the same and it is my social, that I am responsible. Basically, you can open an account in anyone's name in your household, and they are legally responsible, I asked this question and he said yes. He also said the letter means nothing. At this point my only recourse seems to be legal action. Ive already contacted my lawyer, and I have all the document's ready. If anyone has any other ideas please let me know. Also, will the credit bureau's honor the letter they sent me that i sent them? or basically will the just verify the debt again? I dont understand I have a legal document from them stating something and they wont even honor it. accident or not it was sent , someone had to prepare it and send it. and a judge will not see it any differently
The "AG" you're referencing is likely the Attorney General. Anyway, this is still clearly a case of ID theft in my mind. Unfortunately, parents and siblings are quite often the culprits in ID theft cases because it is so much easier for them to commit the crime. And like you said, it's hard to fight something when your social security number is used with the same address, etc. Regardless, it's still ID theft, and if you're prepared to fight it all the way, then taking legal action sounds like it may be your only option at this point. How's your relationship with your mother? Has she done anything to try and help with this or make things right?
