I have been reading on this site for several weeks. I have read alot about disputing the account as not mine. What do you do if they send you the affidavit of fraud form? Do you sign that knowing that the account was yours even though you never signed anything with them?
The Affidavit of Fraud Form is not proof that an account is or is not yours. Only a document with YOUR signature on it is proof. Accepr nothing less, and do not fall for their game of trying to shift the burden of proof from them to you with the Affidavit. I can almost guarantee that if you fill out the affidavit of fraud form the creditor will "determine that the account is yours" and demand money, whether the account is yours or not.
"No your honor - I was not speeding - I don't care what that cop's radar gun says." Your right to challenge any system that brings an accusation against you - whether in the court or in the credit bureau - is a fundamental right. You might be as guilty as sin - you still have the right to challenge those who accuse you - the OC - the CA - the CRA. Yes, I might be guilty - but I want you to "prove" that I'm guilty. It might be my account - but can you prove it - where is the evidence? Still, the system by which you accuse me of being a dead beat (the credit system, CRAs, CAs, Credit Scoring, etc) is a very flawed system - thus it should be challenged.
Re: Re: Re: Can you do this? Now why is that? Are OC's somehow so much more trustworthy than the average consumer that they aren't even questioned when adding negative items to our reports? Why is the integrity of the credit reporting system so sacred that the consumer has to sign affidavits to resolve an inaccurate item, yet the OC need prove nothing when inserting a negative item?
Re: Re: Re: Re: Can you do this? PROBABLY BECAUSE (for the most part) THEY PAY THE BILLS---YOU DON'T (unless you buy a report)--but that is like only $8.00
Re: Re: Re: Can you do this? I signed one, once, and that was only *AFTER* the OC had put in writing that they had nothing on file, no application had been obtained, etc; and that was more than a year ago, before I knew half as much as I know now. And the only reason that I had decided to go through that route was that the CA which 'purchased' the account didn't want to do anything, so I worked with the alleged OC in a way that would allow the OC enough information that they could buy the account back, and then discard the account as a fraud. Would I do it again? Probably not. In fact I am going through a fairly similar thing right now and refusing to sign an AF to get off of a black list.
