Good Morning, I need some help. I have been trying to search this board for some help, but become overwhelmed and haven't found anything that matches my situation. My SO has 3 collection accounts on his credit, I don't remember which CRA, it may be all. They are Pacific Bell, we spoke with American Agencies who are the CA for PacBell. None of these accounts are his. They only are under SO's SS# but aren't even his name or even from the city we live in. He does have one from PacBell that his exwife setup a phone in his name with his SS#, but this was after they were separated and he never lived there. I would love to turn her in for fruad on that account. AA sent him a fraud packet to complete, but we don't have the info they want. It's about 4 pages of ?'s and they have to have proof of where you were living at the time, he doesn't have that. They are from the early 90's, so I imagine the SOL is almost up on them. I sent the CA a validation/dispute letter and claimed they weren't his in 9/03. I haven't followed up with a second letter as I was wondering if there is another way to get fraudulent accounts off easier. They are still on his CR. He also has a bankruptcy on his CR that is over 10 yrs old and has not been removed. Do I dispute that with the CRA's ? Sorry, I get confused on what is the right process. Thank you for any help you can provide. Jennifer
What I would like to know is why has this been reported for almost 14 years . ????????????? All of this should have gone off the reports by 1997 ! !
First of all my SO never pulled his credit prior to trying to get a car loan and the car dealership showed us all the Pacbell collection accounts, so we called pacbell to find out what collection accounts we had with them. My SO never even thought to dispute anything, he never used credit after getting his bk dismissed over 10 yrs ago. The best part is the accounts aren't even in his name, the info came addressed to the other person's name on the account...why can't pacbell use logic to see these aren't his accounts? Pacbell isn't trying to collect on them, but it is hurting his credit as he gets denied credit because of the bk and collection accounts.
BIgtow, This is NOT even a collection agency issue Forget them all together. Your "fight" is with the reporting agency. Have you sig other send a DISPUTE to the reporting agency DISPUTING THE ACCOUNT(S) as NOT HIS/HERS BECAUSE of fraud, never lieved at that address, etc etc. AKNOWLEDGE the SSN IS CORRECT, BUT ALSO LIST THE PREVIOUS "REASONS" WHY the account is not theirs. Send any documentation you have to support your case. When the reporting agency VERIFIES the INACCURATE INFO, then you have recourse under FCRA 623 (b) against the REPORTING AGENCY AND THE FURNISHER These collection agency "fraud kits" are not requiredby law. It is a way to "write off" the debt for tax releif.
The best part is the accounts aren't even in his name, bigtoe ========================================== That's not the problem. The problem is it has been illegally reported for nearly 14 Yrs. regardless of whose name it's in. These should have been removed in 1997. It's illegal to report a debt for more than 7 years, Violation 1 It's illegal to report a BK for more than 10 years, Violation 2
Your "fight" is with the reporting agency. hiding90 ========================= Why not Simply Have the SIG other send a DISPUTE to the reporting agency DISPUTING THE ACCOUNT(S) as OBSOLETE? After 14 years of reporting these it obvious this is a case of illegally reporting beyond the 7 years permitted. Whose account has nothing to with that issue. ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
Fraud kits have nothing to do with writing off a debt. They are an attempt to put a barrier in the way of someone claiming the account is fraudulent. Any business can write off a debt when they determine it is uneconomical to collect or otherwise uncollectible.
