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Thread: I need help.

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    #1

    I need help.

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    How do you fix an identity theft? We've been dealing with it for 2 years and have no idea how to get it resolved.

    What happened- someone got a hold of my husband's information in 2007 and took out two bills- one with AT&T and one with Comcast. The address was a place we've never even lived. We are in a different state entirely now.

    I have requested fraud packets from the collections agencies and neither of them have sent them. I am so sick of this, his credit used to be fine and now it's crap.

    Help?
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    #2
    And now I can't even get a hold of the collection agency's department for this. I got a hold of the department that handles deceased people, but my husband is alive and they have no idea how to get me in touch with the right people.

    FUCK FUCK FUCK.
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    I can't give you an easy answer hun. I have major identity theft that I'm dealing with. It seems like these 2 would be easier though.

    Start by ordering a copy of the credit report.
    Then you write a letter to the credit reporting agencies and send them CERTIFIED (save those stubs)

    This website has a lot of good info including a sample letter of dispute. http://www.ftc.gov/bcp/edu/microsite...rs/defend.html


    http://banking.yahoo.com/20010301a.html

    * Contact the three major credit bureaus. Equifax: (800) 525-6285; Experian: (888) 397-3742; and Trans Union: (800) 680-7289.
    * Ask them to place a fraud alert on your credit report. Include a statement that asks creditors to call you for permission before any new accounts are opened in your name.
    * Contact creditors for any accounts that have been tampered with or opened without your knowledge. Be sure to put complaints in writing.
    * Contact the FTC: (877) 438-4338. While federal investigators only tend to pursue larger, more sophisticated fraud cases, they do monitor identity theft crimes of all levels in the hopes of discovering patterns and breaking up larger rings. Fill out the ID Theft Affadavit a the FTC's Web site, make copies and send to creditors. The agency also has an online complaint form.
    * Alert the police that your wallet is stolen. Fill out a police report, and consider signing a written affidavit verifying that unauthorized transactions on your account are fraudulent. Send copies to creditors and credit bureaus as proof of the crime.
    * Report the fraud to the Office of the Inspector General's fraud hotline
    * Change account passwords. Avoid using your mother's maiden name or the last four digits of your Social Security number as a personal identification number.
    * Notify the Social Security Administration to replace Social Security or Medicaid cards, the Department of Motor Vehicles to get a new driver's license, and your telephone and utility companies to prevent a con artist from using a utility bill as proof of residence when applying for new cards.
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    #4
    Quote Originally Posted by HisBlueBird View Post
    I can't give you an easy answer hun. I have major identity theft that I'm dealing with. It seems like these 2 would be easier though.

    Start by ordering a copy of the credit report.
    Then you write a letter to the credit reporting agencies and send them CERTIFIED (save those stubs)

    This website has a lot of good info including a sample letter of dispute. http://www.ftc.gov/bcp/edu/microsite...rs/defend.html


    http://banking.yahoo.com/20010301a.html

    * Contact the three major credit bureaus. Equifax: (800) 525-6285; Experian: (888) 397-3742; and Trans Union: (800) 680-7289.
    * Ask them to place a fraud alert on your credit report. Include a statement that asks creditors to call you for permission before any new accounts are opened in your name.
    * Contact creditors for any accounts that have been tampered with or opened without your knowledge. Be sure to put complaints in writing.
    * Contact the FTC: (877) 438-4338. While federal investigators only tend to pursue larger, more sophisticated fraud cases, they do monitor identity theft crimes of all levels in the hopes of discovering patterns and breaking up larger rings. Fill out the ID Theft Affadavit a the FTC's Web site, make copies and send to creditors. The agency also has an online complaint form.
    * Alert the police that your wallet is stolen. Fill out a police report, and consider signing a written affidavit verifying that unauthorized transactions on your account are fraudulent. Send copies to creditors and credit bureaus as proof of the crime.
    * Report the fraud to the Office of the Inspector General's fraud hotline
    * Change account passwords. Avoid using your mother's maiden name or the last four digits of your Social Security number as a personal identification number.
    * Notify the Social Security Administration to replace Social Security or Medicaid cards, the Department of Motor Vehicles to get a new driver's license, and your telephone and utility companies to prevent a con artist from using a utility bill as proof of residence when applying for new cards.
    Thank you. I'm on the phone with Experian right now. They determined the dispute belonged to us. The other bill disappeared finally, but this one is still here.

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