Lori
Joined: 13 Sep 2007
Lori's page
Posts: 1
73 Magic Points
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Subject: How can we make sure this is straightened out?
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Thu Sep 13, 2007 12:53 pm
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| My son's prior room mate filled out one of those "we'll give you a credit card" letters in HIS name, then ran it to the limit and of course didn't repay a nickel of it. We didn't even know about it for a year, when he applied for an in store furniture loan and was declined. Have contacted authorities, card company etc, and have been assured after their investigation that 'it will be taken care of' poor boy had 'perfect' credit prior...Just want to BE SURE, this will no longer affect him. How do we make sure? |
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CreditGrantor
Joined: 01 Sep 2007
CreditGrantor's page
Posts: 33
2570 Magic Points
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Fri Sep 14, 2007 4:03 am
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First step was to file a police/identity theft report with the PD, which you did already. Then you contacted the credit card company. Now, you will need to send the following to each of the credit bureaus that is reporting the account (this is from the text of the Fair Credit Reporting Act):
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§ 605B. Block of information resulting from identity theft (15 U.S.C. §1681c-2)
(a) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of–
(1) appropriate proof of the identity of the consumer;
(2) a copy of an identity theft report;
(3) the identification of such information by the consumer; and
(4) a statement by the consumer that the information is not information relating to any transaction by the consumer. |
Get this in the mail to each of the credit bureaus (Transunion, Experian & Equifax), return receipt requested, and they are obligated to remove the account from your son's credit report. |
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