File Variations The mortgage lady said they are suspicious of aliases and I needed to clean them up. I have 11 variations on my name, and a few are directly a result of my ex inventing a new first name for me (and using my SSN) by combining our first names. I guess a driver’s license to the CRA would get that settled. My scores are: TU 571 EQ 522 EX 520 Credit History (negatives only… man is my list long. I have never done this before!): * Homecoming Funding My old mortgage company. I went thru a divorce and my ex got me fired from my job due to stalking. What a winner. The house went into foreclosure. I redeemed the house and sold it. It is showing a $212,390 balance. But should be zero. Last reported 10/05. I’m sure they can verify the information, so it can at least be updated to $0 balance. Like a foreclosure redemption looks good anyway. I thought selling it would make them not report it. *AES/EDUCAID One student loan shows no late payments or balance, but they have starred it as a negative anyway. Not sure why that is. I can’t do anything unless I know why it’s bad. *GEMB/Lowe’s I’m only an authorized user on a card, and I don’t ever remember asking for it… nor have I used the card. The cardholder says they have a note from OC saying I am not responsible for charges. Shows 30 days late 09/06 and 11/05. And I think the cardholder is going to file BK on it. *NOT REPORTED (that is how they list the creditor) Reported 06/06. Collection. Unpaid medical . $153 balance. Not sure what to do with this one. It might be something my ex didn’t pay for our son. Pay it and see if they won’t report it?? I don't know how to pay it when it doesn't say who or what it's for. *MJ Heck Assc After I moved out of state, the health club “forgot” to cancel my membership. I think it ended up getting paid anyway. Still shows $131. Reported 05/03. What are the odds of an attorney keeping the information this long? Looks like a not me, I guess. * GC Services This is a dishnet work deal. They think I kept their equipment or something. Account is under Sarahtoby (my awesome alias). Reported 01/05. Collection $118 Not me!!! *CBE Group Same dishnet thing. Different CA. Reported 08/04. Collection $117. Not me!!! *KANSAS COUNSELORS Unpaid waterbill? I don’t know if this was part of my bankruptcy or not. But it’s upaid collection $69. reported 08/06. (I haven’t lived there in forever and never got a bill or note from the CA) Try to pay and have them remove the negative?? *AMEX Profit & Loss. Settled for less than full balance. I tried a terrible debt counselor. They didn’t help me at all. Everyone threatened to sue me while they “saved up my money to pay them.” This is the only thing they paid. Closed 07/03. I don’t know what to do for this one. *BOA MBNA Account closed by customer. Collection. Closed 09/04. Paid 09/04 *BOA MBNA duplicate, sort of. Same account, but listed as profit & loss. Different close date of 10.04. *CAPITAL 1 BK Some lates. Try the goodwill letter. *Chrysler This is a vehicle I leased. Filed for divorce. Gave to my ex, per the decree he was supposed to buy it in his own name. instead, he lied and said he did, but really changed the address for bills and extended the lease in my name, then did a purchase in my name. Plated it in my name in another county. Chrysler refused to provide business phone records or anything. They threatened me. So I had the police repo the car for me (based on my divorce decree and title in my name). I turned the car in, they auctioned it. Profit & Loss Paid. Reported 10/05. I guess I’m screwed. *Chrysler One late on the lease. (Due to above). Screwed again. *CITI Collection paid. 05/01 Also shows some lates in 2001. prove it or delete it? ? Nutcase thing?? *CREDIT SERVICE CO Collection paid 09/00. prove it or delete it? Nutcase? * DISCOVER CD Bankruptcy. Closed 07/05. I’m stuck with this bad boy. * WELLS FARGO Closed by credit granter? I don’t think so. Late once in 2001.
Don't hold your breath. I can't get rid of my previously married name from a 20 year old divorce removed...but send the letter and try - might be enough to make the mortgage company happy. Try disputing "I don't have a loan with Homecoming Funding with a $212K balance, see what happens. Are you looking at a 3 in 1 report? You really need to get individual reports from all the CRAs to dispute from. Not mines usually get rid of AU accounts (at least it did for me). Refer back to the 3 in 1 question - otherwise you got a big no no here. yep From the report dates it looks like CBE passed it on to GC. I would try a not mine with CBE and validate/dispute with GC. Check the date of last activity first. Amex has the memory of an elephant - pick apart the entire tradeline, they might have reaged to the payoff date vs the date of last activity. Dispute them both as duplicate and no knowledge, see which falls off the first time. LOL - save your postage.. This almost sounds like it could have been chalked up to ID theft - if the ex forged your sig and extended the lease, and that is what is written off - then it wasn't your responsibility. Did you make a police report? Its pretty old, I'd start with a simple dispute first. Its falling off in one year - try a simple dispute first. Thats what I mean by pick apart a tl - the closed by credit grantor is disputeable, but one 6 year old late is not going to help you that much - if its one of your oldest tradelines, the age might help you more than the late is hurting you - ya gotta look at the big pic for things like this.
When you say: Amex has the memory of an elephant - pick apart the entire tradeline, they might have reaged to the payoff date vs the date of last activity. I can figure out the payoff date. I am not sure when I closed the account but I suppose I could look it up somehow. Explain to me, like I am a grade schooler, why it is important on which date they used on the credit report. I have no idea what all this means.
P.S. I have filed a police report in the town where I lived at the time of my ex's fraud. I have included the report #, officer and badge # for my report. This is relating to any use of a Saratoby alias and the Chrysler account fraud. My first letters to the CRAs are for the removal of the alias (since it was used in fraud, per my police report), the 2 accounts under Saratoby and the Chrysler fraud. I have cc'd the SSA, FTC and Chrysler. I also plan on contacting the Chrysler fraud unit again, with my additional information. Next, I need to tackle the Homecoming Financial. I DO NOT have a balance on the account. Do I send that to the CRA or the OC? if it is the CRA, do I have to wait for them to finish investigating the first round of complaints before I send a new letter? I was afraid of putting too much on one letter. All these ARE legitimate fraud or not mine... I just don't want them to think I am listing 5 or 6 things and being frivolous.
Since you are dealing with fraudulent accounts, proceed in a very systematic manner. Keep notes of all phone contacts, including dates, phone numbers, and names of all people you talked to, follow up all phone contact with a letter memorializing the call including any action the other party agreed to do, send all letters CRRR, keep copies of all letters and included documents, as well as the certified and return receipts, in your files. It may appear that some party has verbally agreed to treat an account as fraudulent, but you have to be ready to force all decisions to a conclusion. If the account gets sold to some CA, after you notified the OC it was fraudulent including copies of police reports and fraud affidavits as provided in FACTA, you want to be able to hold both the seller of the "account" and the buyer responsible for their negligence and violations of law in order to force this process to an end. You don't want them slipping off liability because you can't prove you notified them, and if they just sell off known fraudulent accounts, you want to shift your costs onto them. You may have to sue to make them follow the law, and if you do, you want them to pay for it.
what about how much I can include on one letter? should i add more to my letter? i am afraid they will say i am being frivolous when it is really legit and i include police report numbers. or do i have to wait for an investigation to end before sending another letter?
You only need a police report. FACTA recognizes that in many cases it may not even be possible to conclude an investigation with a prosecution, or even a positive identification of the thief. FTC has even recognized that the law enforcement report may have to be thru one of several agencies, as some police departments have discouraged submission of id theft complaints under certain levels, yet this is the key threshold for victims to enforce their right to removal of fraudulent accounts under FACTA. See, for example, FTC's comments on their regulations implementing the FACTA changes to FCRA: http://www.ftc.gov/os/2004/10/041029idtheftdefsfrn.pdf Reference the attached police report in your letter, and send a copy of it with your letter. Demand removal of all fraudulent information related to the account, including fraudulent inquiries. I would want to ensure that the police report refers specifically to the fraudulent accounts on your reports in an identifiable manner, such as by original creditor/account number, or whatever information you have on the account. You will want to provide the police with a marked-up credit report showing the fraudulent accounts, or other documents including collection letters referring to the fraudulent accounts. Your own fraud affidavit would also refer to the accounts. If you find additional fraudulent accounts that are not oriiginally included, forward them to the police, and obtain an updated police report. What you want is if they fail to remove, and you go to court, you want the judge to say: "Well, you were notified that these specific accounts were fraudulent, here is the return receipt, so don't argue you didn't get it, here is the police report and fraud affidavit, as required by FACTA, so don't argue you didn't have to follow FACTA and remove. What are the damages and attorney's fees?" As important, you want their attorney to know that is where it is headed. You also want to hand your own attorney a complete set of documents to support your case. You want no ambiguity about whether or what accounts were being reported as fraudulent.
