If it's not one thing, it's another. We were switching all the utilities for the new house over to our names and got a shock from the electric company (pun). According to the power company, somebody else has been using my SO's social security number!!! The rep asked her to double check it and it indeed appears that someone, either by accident or intentional fraud, has her SSN on their electric and gas account! The utility rep said she would flag the other account and the company would verify the SSN. While she was explaining this, it occured to me that this could be one reason why there are a couple of accounts on her credit report that she knows nothing about. She said she got a notice from Texaco about a year ago. Texaco wanted $400 for a delinquent account. She has never had a Texaco account so she said she called them and the rep told her they would look into the matter. She *assumed* they took care of it but never verified for herself! When our mortgage banker showed it to her on the report he pulled last week, that's when she realized that these things do not take care of themselves! arghhhh Anyway, from looking at the CRA web sites, should we have a fraud/id theft alert placed on her files? Or should we dispute these accounts first?
I've once got a call from a gentleman who was a little upset that I had used his SSN on one of my accounts. I asked him just what the heck was he referring to and he said that his SSN was listed on my account. We agreed to work together to figure it out and it turned out that somehow the dipstick who entered the SSN on the account used the first 5 digits of my account and the last 4 of my spouse. The weird thing was, it was like that on two seperate and unrelated accounts. We explained this to the creditors, actually I did, and it was gone in a flash! If their ssn is similar to yours it could be clerical error if it's just matter of juxtapositioning of a number or two. On the other hand, if it is fraud, you should drag the worthless *%$!!#@ buck-naked across two-hundred yards of burning asphalt. Sorry, my therapist says I shouldn't get so upset........ ;~) Dancer
Dancer, there's a pretty good PsychDoc that hangs out on this board...maybe he could give you a Creditnet discount! ;-) I think what we will do is try and talk to the power company's fraud people and get what information they can. Luckily her dad is on good terms with the local state police barracks so we should be able to file a report with no hassle.
