Graphixbaby78

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About Graphixbaby78

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  1. I was recently a victim of identity theft, and I am now pursuing FCRA violations against multiple parties. I can't give specifics for obvious reasons, but I will post my case once there is a final ruling. I hope it will help anyone who has been a true victim of this devastating crime. As of today, my case is headed to a jury trial in federal court based on alleged FCRA violations by multiple parties (for the same fraudulent account/debt). The law is there for a reason, to protect not just identity theft victims, but all consumers from unfair, inaccurate credit reporting, and it needs to be enforced by holding any/all parties accountable for violations. Through the recovery process, I simply relied on the law, because that's really all I had. My recovery was far more complicated than it should have been due to alleged FCRA violations. I went through hell, and I hope my story can be a helpful reference for anyone who is a victim of FCRA violations period. I give credit to all the useful information, forums, and contributors for helping me through the frustrating recovery process.
  2. I have hired an attorney to file a lawsuit against a company regarding identity theft/FCRA violations. The problem is that we don't have much information on the company other than address & phone number. According to their website URL, they were an online catalog, but no longer selling items, just maintaining existing customer accounts prior to discontinuing sales. They are obviously actively reporting to CRA's, so is there a public resource to get more info about them? Seems like there is very little info available on them, even general info that can usually be found online. Their activity on my credit reports started in 2013 until recent. I am willing to pay if necessary to get a report on them due to the nature of violations, and would like to get a better idea of who/what we are dealing with, also if they have similar complaints from consumers. I know this would normally be public record if there was civil action taken, but don't know if they always did business under the info we have, or something else. Based on their reporting to the CRA's, it appears they know little to nothing regarding their obligations under the law, or they simply don't care. That is not just coming from an angry consumer, but based on facts. Thank you in advance for any suggestions or advice.
  3. I am a victim of identity theft, and had filed a report with local police, also the FTC. I requested Experian block a fraudulent account, and provided them with copies of the identity theft reports to support the request. They removed the fraudulent account within a few days of doing this. I had disputed the same fraudulent account with Equifax, and attached identity theft reports as supporting documentation. For 3 weeks after Experian blocked the account, the date reported on this same account was updated 4 times on Equifax. 11/11/2016 I requested Experian remove the fraudulent account due to identity theft 11/17/2016 Experian report showed account was deleted 12/1/2016, on Equifax fraudulent account/debt showed date reported 11/23/2016 12/3/2016, on Equifax fraudulent account/debt showed date reported 11/02/2016 So the date reported went backwards. How does this happen? 12/04/2016, on Equifax fraudulent account/debt showed date reported 12/03/2016 12/07/2016, on Equifax fraudulent account/debt showed date reported 12/06/2016 On 12/5/2016 I filed a complaint with CFPB against the creditor that reported the fraudulent account (which they have never responded to), and 12/7/2016 I called the creditor because I was quite angry at this point. After the account was removed from Experian, my score had gone up 69 points, and it was obviously damaging my Equifax score significantly. I had been denied credit due to this account specifically (denial reason said high utilization/over credit limit, and this account was reported as charge off for more than the credit limit that was reported for the account, I had no other accounts that this was relevant to). When I called this creditor the 1st time, they could not find the account in their system, and told me to call Equifax, so I did. Equifax then told me to call the creditor, so called them again. The creditor finally located the account, and admitted to me that they had received the police/identity theft report (Experian sent to them as a result of account being blocked) on 11/29/2016. So this account was updated 3 times on Equifax after they apparently received the identity theft/police report, and Experian had already blocked it as of 11/17/2016. Aside from all of this, the same creditor had reported conflicting information for the account between EX and EQ (payment dates, number of payments), so they obviously aren't concerned about complying with the law. What I'm trying to figure out is, who is at fault? And how does date reported go backwards in one case, unless it was done manually, then corrected the very next day? It almost looks like this was done intentionally. When the date went backwards, they corrected it on their own the next day, but I had not contacted them about it or bring to their attention. I know there are FCRA violations here, but I'm confused as to who is responsible for what. The police report totaled 73 pages for my case, and this has been a process from hell. I simply expected the creditors/credit bureaus to fulfill their obligations under the law, and that is really all identity theft victims have to rely on when recovering from the chaotic aftermath of this crime. Filing a police report only gives more credibility to a victim's claim, but they can't do much more than that. This is not about a lawsuit and getting paid, its about holding those accountable to the law that is there for these very reasons. Thank you in advance for any suggestions or advice.
  4. I am a victim of identity theft, and I have reported to the police & FTC. Thanks to the advice given by members on here, I have been able to resolve quite a few fraudulent accounts & collections (approx. 20 to date). There is 1 CA that continues to report fraudulent collections, and they threaten to report more. I have had 7 collections removed that Commonwealth Financial Systems have placed on my credit reports due to failure to verify when disputed with the CRA's. After failing to verify with 1 bureau, they turned around and reported the same collection to another bureau. So they know 1 bureau deleted a collection due to their failure to verify, but they report to another bureau knowing they couldn't verify the collection from the beginning? Is this a violation? They have done this 3 times now, and they threaten 6 more collection that are not mine! I included every collection to date from this company in the police report, and have security freeze with all 3 CRA's to prevent further fraud, but this CA calls my home phone numerous times a day, and they recently started calling my cell phone (I am guessing they got my cell number from the contact information included in the fraud alert statement with all 3 CRA's). They are using an automated system to place the calls to my home phone, but not sure about cell because I haven't answered any of their calls made on there yet. I am just wondering what can be done to stop this without having to continue wasting my time/money disputing & requesting validation when they are 0/7 even verifying with CRA's? Thank you in advance for taking the time to read this, as this site has been a great help to me through all of this. I forgot to add this info earlier, and not sure if it makes a difference or not. I disputed most of the collections reported by CFSI prior to having ID theft complaint/police report completed, but all of the fraudulent debts they reported were included in the complaint. They reported 1 of the collections that had been deleted from 1 CRA already to another CRA after filing the report. I disputed it again with this CRA (EX), and included a copy of the police report. I have not contacted CFSI directly because they have yet to verify anything they have ever reported on my credit. I know the suggested method is to notify the CA, send them a copy of the ID theft complaint/report, but I have not done this to protect my personal info that they hopefully don't already have. There is ALOT of information in the report (approx 73 pages total once the police completed their actual report), including bank account info, license #, etc., that I am not comfortable giving a CA which has disregarded the law and my rights. They have reported nothing other than fraudulent debt/collections, and they are fully aware of what they are doing. Am I still obligated to provide the report to them? Would the CRA provide them with a copy since it is supporting documentation for dispute? Or do they just inform them that the account is a result of ID theft, then block/delete it? As far as the debts they are threatening to report, the freeze should prevent for now, but considering filing a complaint to resolve permanently. Also, I do not have an attorney because I have been able to resolve most of the fraud with the help of this site, info on government sites, and the help of local police. If I need to take legal action against a CA, then I will retain one.
  5. I recently posted about numerous accounts on my credit reports that didn't belong to me, and was given advice to contact a lawyer. I did contact an attorney, and he suggested that my case could end up in federal court. Unfortunately, that is not an ideal solution for me at this time, due to an urgent custody matter that I need to pursue, which can be very time consuming, and get very ugly at that. I have had a higher success rate with getting accounts deleted than I expected, but I'm left with a few that need further action. I am using DV method with CA's, and hope to eliminate the remaining accounts using this method, except for 1. I just need advice/options for this specific creditor, as there is at least one violation on their part with 'verifying' to credit bureaus. Here are the facts: I disputed with TU in 2014, resulting in deletion of account. I assumed the other bureaus would also delete after TU did, but I wasn't quite as educated on this stuff then, and was wrong. Checked my EQ and Ex reports recently, and this account was on both, but the specifics of the account were not consistent between the 2 CRA's (payment history, date of 1st delinquency, date opened). So I disputed with the 2 bureaus as not mine, and it isn't, providing them with the proof that TU deleted 2 years ago. Of course they validated with both EQ and EX, details changed on EQ for account, but they are still inconsistent. It's almost like someone is playing a guessing game. Here is what the account looked like before dispute with bureaus, which show different payment history for each. And here is what the account looks like after dispute with each bureau, and now EQ is showing no payments made (they showed 6 payments made prior to dispute), 1st delinquency 12/11, but EX shows payments from 11/11 - 2/12. Equifax Experian What are my options for going after them for violation, without dragging out a lawsuit? This account is killing my credit, because it's putting my utilization at 118%, which is 30% of a score. I have been denied credit as a result. My TU score is 718, because this account is not on TU, but EX and EQ are 580-590. I used score simulator, took utilization down to 0-10% and my score went up 50 points on EX, 65 on EQ. I called recon line for Barclaycard after I applied because I noticed they pulled EX (thought they would pull only TU), and they asked about this specific account, then told me to call them back once the account is resolved. That account was the reason for denial, according to the rep I spoke with. Is arbitration an option in resolving this, or small claims suit? Is it true that I would have to file in the county/state they are located in? Thank you for taking time to read this, and I appreciate any comments, feedback, or advice regarding this matter.
  6. I have printed EVERYTHING regarding disputed filed. I check daily on dispute status with all bureaus, and print out any changes to any account, also any changes in dispute status. I have read stories about them denying a consumer ever filed dispute via online, but they won't win that bs with me. I will use the link you provided, and contact an attorney to resolve this. Thank you for taking the time to post the helpful info you have provided.
  7. Most of the accounts were labeled as medical, but they are not mine, and insurance company never received claims for any of them. I have had the same dr. for years, and the providers listed are not even local, most from a different state. This has happened before, so I never looked at it as identity theft. There is 1 account that is a credit account, and I have no knowledge of it. It was removed by TransUnion 2 years ago, and I just assumed it was put on wrong file. Should I file a claim for identity theft? I never thought of it that way. I even wonder if the CA or creditor is legitimate, due to inconsistent reporting on same accounts, and so close together. Thank you for taking time to respond. So to answer your question, I am not responsible, and did not authorize any of the accounts or debts disputed.
  8. I have filed disputes with all 3 CRA's, but they are coming back with different results for the same accounts. Some of the accounts are with same CA, yet the credit bureaus are saying validated for some, couldn't validate for others. The same ones that couldn't be validated with one bureau, are validated with another. So I'm wondering, how does this happen? They were all disputed as "not mine", because they are not mine. The same collection agency is validating some of the accounts with a bureau , not validating others with same bureau, and vice versa. So basically, it looks like the same CA is randomly validating different accounts with each bureau, and randomly not validating with each bureau. This make absolutely no sense, but then again, maybe the law allows this. It just seems like a game that is used to cause mass confusion. Then there is the issue of a credit/revolving account disputed with all 3 CRA's. TU deletes the account over 2 years ago, which I thought they had to notify the other 2 CRA's to delete, but I shouldn't have thought. So I have now disputed the account with EX and EQ. EX results were "validated" with no change. EX is still investigating, but after dispute was filed, I noticed they made changes to this account. They changed payments made on time and date of 1st delinquency. If the changes were a result of "validation", and there are no other changes on this account, it will be conflicting with info EX has for the account, and had conflicted prior to disputes. Experian is showing payments made on time from 11/11 - 2/12. Account open 11/1/2011. Equifax shows no payments on account, 1st delinquency is 12/11. Account open 11/9/2011. This account does not belong on my credit, and TU deleted 2 years ago, and I included the TU investigation summary with disputes for EQ and EX. Also, I disputed 21 accounts with Ex, and it took 4 days to investigate them all? Quite a few of the accounts were deleted, but the accounts they "validated", were the exact accounts that TU had deleted (they had a copy of TU results showing deletion). Coincidence? Out of 21 accounts disputed with EX, 6 remain as a result. 4 of the 6 were deleted by TU due to no validation. Sorry if this is all confusing, but I am quite confused myself. I don't know if /what rights under the FCRA have been violated. It almost seems like a game they play to discourage people from making them do their job. Also, because I am still in the 30 - 60 day window, should I send all 3 opt-out of arbitration letters? I found info on Equifax for this, but nothing for TU and EX. Thank you in advance for any input. Your time and knowledge I s greatly appreciated!