I disputed an account and asked for verification, they instead sent me a fraud claim form to fill out. They asked for a copy of my drivers license etc. Also, this form may be used for law enforcement etc. Should I fill this out and send back to them or should I wait and pretend I didnt' receive it. And ask for verification, which i doubt they have? thanks everyone
If the account really isn't yours, then send back the fraud statement. Validation is only good for collection agencies, not original creditors.
Also, if anyone has sent in a form like this to a creditor asking for it, have they contacted law enforcement to investigate?
My husband got a letter like that from a CA over a cell phone bill. I know the CA has absolutely NO proof, he sign ed up for it online and NEVER signed for anything. When they called he told them he didn't know what they were talking about and 2 weeks later we got a fraud statement. I ignored it and sent a validation letter and a C&D. They have no proof of what they send to me, but I have all my proof. Just send a validation. NEVER file out anything THEY send YOU! Kellie
I had a Mervyns account that was fraudulently used. They sent me a fraud statement with copies of the register receipts (clearly NOT my signature). I had to sign the fraud statement and sign it like 5 times and it had to be notorized. They did not contact law enforcement (it wasn't that much money...like $300 bucks). I'm sure if it's for a big amount, they will investigate it and if they can prove who did it, they will contact law enforcement to make an arrest.
