Hello - I disputed an account on my credit report as not mine. I read that if I want the account removed that I should dispute the account as not mine, even if I know that it is. After that doesn't work, then just work your way down the line of disputes. See if something gives for the deletion. Anyways, I just got a letter back from the company with an affidavit asking me to sign it on whether or not the account is mine, or if it a fraudulent account. I don't know what to do now. The account is mine, and I am not going to lie on an affidavit. Can I be sued for disputing an account as not mine, even though I know that it is? What should I do with this letter? I have three options, 1. sign it saying it is a fraudulent account, and not mine, 2. sign it saying that it is my account, or 3. just simply ignore it. Please - need advise. What could happen to me? I don't want to go to jail!
I don't think it's ever a good idea to dispute something you don't believe might be inaccurate information. I know you'll read different opinions online, but if the account is yours, then it is what it is. I don't mean to preach, but there's no reason why you can't still dispute other details that might be inaccurate such as the amount owed or a wrong DOLA. Anyway, don't sign anything, and I wouldn't lose any sleep about going to jail. Just ignore the affidavit and move on with your efforts to get the negative listing removed. That will likely be the last you hear of it. What else have you tried so far?
Lying is always a bad idea. Bill Clinton went into a deposition planning to spin the truth. He ended up just lying. Don't do that. You told them that it wasn't your account. A reputable company should respond by trying to figure out what is going on. The first place to start is with you as you made the claim. If you won't swear that this is this and that is that, then they have their answer. It's Dumb Bob's opinion that you can be sued for anything. He thinks that the current "Birthers" nonsense is proof of that. This sounds too close to legal advice for Dumb Bob. Given that the system lets out people who have convictions so numerous that they go to many pages, Dumb Bob suspects that you'll get a slap on the wrist. It might make a welt though.
