Hello everyone, I have been lurking for a few days and I have searched on the forum and can not find info or answers to this question. I was served on May 21 with a "Petition for Indebtedness" from a lawfirm, hired by Midland Funding. The cc that they are suing me for is one that I have never owned or used, "Newport News", in the amount of $5,xxx. I pulled my credit report and it shows that it was indeed added to my report in May 08 for an original debt from 98, with a last activity on 6/2003 and is owned by Midland. I am writing a letter of verification and sending it by certified mail & filing it with the court documents. My next step is a sworn denial, stating that this company and amount are not my debts. I had my purse and billfold stolen in Jan, 2003 and although I had checks written on my account by the thief, I do not believe they could have charged or made any debt by June, 2003. Do I need an attorney or do you think that by doing these steps I will be covered? Thanks for any help! jalapeno
So sorry to hear of your situation. You need to file a police report ASAP, also vist Federal Trade Commission - Home to fill out an ID Theft Affidavit. Then contact the credit reporting agencies to activate a fraud alert. Contacting one should automatically notify the others. You can also add a victim statement to the credit report stating that you are victim of ID Theft to please call (phone #) to verify identity before extending new credit. Here are the CRA contacts info: Experian - 888-397-3742 PO Box 9532 Allen Tx, 75013 Equifax - 800-525-6285 PO Box 740241 Atlanta Ga, 30374-0241 TransUnion - 800-680-7289 Fraud Victim Assistance Department PO Box 6790 Fullerton Ca, 92634-6790 You need to take a copy of the police report and the affidavit to court to show the judge that you where in fact a victim of ID Theft and to have the case dismissed. Hope this helps, best of luck with this matter.
