cc charge-off,not mine

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JCR,

I know you've had to read through a lot here, but.....

LBROWN59 IS 100% TO THE POINT: SEND THE VALIDATION LETTER ASAP! THE BURDEN IS ON THE CA OR CC Co. NOW TO PROVE LEGAL RESPONSIBILITY! SEND THE LETTER CERTIFIED, WITH RETURN RECEIPT REQUESTED...

THEN..ONCE YOU HAVE THE SIGNATURE RECEIPT BACK DISPUTE THIS ENTRY ON YOUR CREDIT REPORTS WITH ALL THE AGENCIES LISTING IT.

DON'T WORRY ABOUT THE FRAUD ISSUE WITH YOUR MOM YET. 1st things 1st.......Take care of YOUR credit report.

The BEST evidentiary documentation for legal responsibility will be the SIGNATURE CARD. START THE PROCESS...LET THEM SUPPLY IT (OR NOT!).

Definitely don't mean to sound harsh here, but follow the process. Don't worry about "Too strong language" in the letter...The CA didn't worry about it when they called you (which per your recantation, they violated several laws already!!) They will know you mena business.

Again JCR, until you send the Validation Letter, this is all just conversation that is not going to solve anything.

Go Get 'Em!!...

"On my command...Unleash Hell"

 

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Like he said:

"SEND THE LETTER CERTIFIED, WITH RETURN RECEIPT REQUESTED..."

very important

 

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Re: your credit report, if the "Collections" items are blank (on all three reports), then the "CA" that called you is either not reporting, or has "pulled it" (You might have scared them off with your phone call!)

The next question is: Does your Mom's CC acount show on any of your credit reports?

 

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JCR,

If the acct shows up on all three, how is it described; joint, authorized user?

This makes it a little "stickier", but you've done the right thing, mailing the validation letter. So, it is wait and see.

Push this until the "signature card" is produced. Well, they have 30 days after they receive the letter, so sit back and wait.

Again, Good Luck!!

 

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Good on you for requesting validation, jcr

NO ONE can enter an agreement on your behalf, your mom doesn't get to decide if you are a co-applicant or not, only you do.

Ya'll MUST go look up identity theft -- intent isn't an issue nor is all the bogus definitions of fraud floating around.

If someone used your information, jcr, and you didn't agree to it (read sign and enter an agreement -- you're an adult, yes?) then you're not liable.

Go to the FTC site and fill out their ID Theft Affidavit and be done with it.

Sassy

 

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Bogus? Perhaps you should invest in a dictionary, my friend. They are spot on.

And the proper word was "are", not "is".

JCR is doing perfectly. At first, I thought he was CERTAIN that he was joint applicant (versus AU). Now that he's not sure, then DEFINATELY dispute.

If they can't come up with the application, then they have to come up with some other paper trail (your card being used, your signature, your checks used to make payments on the account, bills sent to YOUR address with YOUR name on them, etc.).

If they can't produce that, then they're pretty much SOL (and I'm not referring to the statute of limitations here ... hahaha).

 

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They're spot-on transcribed definitions of fraud from varied dictionaries.

They still don't have a thing to do with the definition of identity theft nor the laws relative to identity theft nor what constitutes a contractual obligation nor whether or not he is liable.

Sassy

 

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You don't have a clue, do you? Technically and legally, identity theft IS identity fraud. Let this help:

Fraud generally involves the perpetrator securing a benefit, usually a financial benefit, to which they are not legally entitled. Fraud employs deception to obtain any benefit. Criminal deception is the key to any fraud.

Some examples of fraud include; fraud against government, insurance fraud, taxation fraud, medical insurance fraud, identity fraud, currency fraud, credit card fraud, mobile phone fraud and possibly the fastest growing fraud that is proving to be a problem for investigators and legislators, computer fraud or internet fraud.

In committing any fraud the perpetrator, at some stage, must resort to saying things that are untrue. So much in our lives is based upon trust. We rely on each other not to betray that trust so that our lives can progress orderly and ethically. Perpetrators of fraud conduct their illicit business by betraying this trust (deceit) usually in the pursuit of committing a fraud motivated by greed.

Fraud thrives on a diet of deceit, lies, abuse of trust, lack of integrity and probity and greed. Fraud is both legally and ethically wrong. What is really wrong with fraud can best be demonstrated by considering what the aftermath may be if fraud is permitted to prosper.

You see, identity theft *IS* fraud.

You need to head back to Criminal Justice 101, my friend.

 

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Here's a clue, you're spewing at the keyboard with nothing to back it up.

Here's the law, FEDERAL, check your state laws for more than the minimum protection.
http://www.ftc.gov/os/statutes/itada/itadact.htm

Here's the FTC's website for identity theft specifically:
http://www.consumer.gov/idtheft/

What's In a Name? Potential Problems and Liability for Financial Institutions Arising out of Identity Theft
http://www.buchalter.com/CM/Articles/articles228.asp

Victim's workshop transcript:
http://www.ftc.gov/bcp/workshops/idtheft/transcripts/001023.htm

Maybe it's all too complicated, I dunno, perhaps you should first review the ID Theft Affidavit.

Sassy

 

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Naturally, we ALL know that ID Theft is fraud by it's very nature.

The Department of Justice, even today, draws no distinctive difference between ID Theft and ID Fraud.



A Distinction Without a Difference:


What Are Identity Theft and Identity Fraud?


http://www.usdoj.gov/criminal/fraud/idtheft.html#What Are Identity Theft and Identity


The short answer is that identity theft is a crime. Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain.

What we're trying to do, is figure out how to deal with this without getting JCR's Mom into a jam. Fraud Affidavit therefore, may be the last thing JCR wants to do.

 

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JCR,

We have a "crack" in the armor!! Hold onto those reports. You will need to use the "AU" report against the other two! Since there is a discrepancy in info coming from the SAME reporting company..you have leverage.

The MINUTE you get the GREEN CARD back from the Debt Validation letter, DISPUTE the report with all THREE Credit Reporting Agencies as "Not Mine",No Knowledge of Account", etc.

Post back when you have the card, we'll help with the dispute if you need it!!

Hang In There.

P.S. With all this about your report, How is your Mom doing through all this??

 

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You are obviously a fool and a troll, and not worthy of nor capable of a legitimate conversation regarding this subject. The text in my message *DID* come from a document from the FTC; the URL is at home in my 'favorites'.

In order for me to "steal" an identity, I have to DO SOMETHING WITH IT, such as apply for a credit card with your information, buy a car with your information, etc. Do you think if I called up the authorities and said, "Hey, Sassy 'stole my identity', but I have nothing to prove that you "did" something with it, do you think they're going to spend even a minute considering the situation? No, they're not.

"Hey, I just "stole" your identity". How did I do it? I just claimed to have done it. It's a crime all by itself, so let's see if you can have me prosecuted.

What kind of ignorance is that?