moosie

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About moosie

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  1. identityguard is UNreliable at best. My Experience anyhow. Also, the quarterly credit report is NOT really a credit report. It merely gives you any info on new accounts and some changes that were made. Inaccurate. At least mine was.
  2. "look at these numbers and tell what evidence do you have that proves that the alleged debt is not the case of identity theft?" I don't think statistics would help much. What helped me was getting everything I could from the OC and with that proved the account was opened in a state I never lived in at an address I never lived at along with the fact that the payment attempts that were made on the account were from someone elses bank accounts. If you really think this is ID theft, you need to be hammering the OC for the relevant information.
  3. She verififed the account with my SSN# and told me it was mine based on the SSN# That is funny. Also total and complete BS! SS#'s are not sacred anymore and haven't been for a long time. I'm sure that telling consumer's that statement causes many of them to pay up though. SS doesn't verify ANYTHING. When this happened to me with 2 accounts, I demanded the OC to send me complete information on the addresses used to open the accounts. Tell her that identity theft is a reality and indeed exists outside of Lifetime TV.
  4. Portfolio used to do this but never said it was a sample. I have one from 2007. They followed that up 6 months later with a letter that said "we have received a judgment against you" asking me to pay $xxx.00 About 6 months after that they sent another " if we don't get payment we will sue you in court" letter. LOL. Wait, I thought you already did that. No case ever filed, no judgment ever entered. Nada I didn't know then that this was illegal but I sure do now. Nothing signed by Martha Kunkle but all in the same, they were bogus.
  5. I was able to have one dismissed with prejudice and am hoping they cannot appeal it.
  6. CA called me today too - one of our most beloved and perhaps the stupidest, after calling me twice the other day. I explained to him that I refuse to handle anything over the phone and to send the letter required within 5 days as I had never received anything from their office. Truth After everything I said, no matter how simple he answered with "so are you threatening me?' or "is that a threat". Completely made no sense. I didn't threaten anything, I merely told him that I refuse to keep asking for a dunning letter or any other letter from them. He also did not say "this is from a debt collector" in any contact, nor did anyone from the same CA at anytime in about 4 phone calls. Yesterday I mailed the cease phone contact order, all calls at any place, any time at any number are inconvenient. They should get it Monday or Tuesday. Why did he keep retorting with "threat". There was no mention that he is a debt collector and no mention of recording. CA is in San Diego, CA.
  7. +100 RL I find it slightly ludicrous that the judge would think you would have an attorney write your documents but not want said attorney there in court with you.
  8. I am thoroughly impressed that you stuck with it even though you thought you were losing based on the admissions. I'm not in the middle of anything like this yet but the possibility exists.
  9. That means to send the DV to the CA who is now reporting it. You might find yourself doing this over an over.
  10. You also have to have the fraud alert removed via mail and you can get the form on the website and it tells you what forms of ID you can use. For the other 2 CRAs, just send a letter and use the same forms of ID. Be firm with them stating you never asked for a fraud alert and that it is causing you problems, remove it within x days. Of course, keep copies and make sure to follow up.
  11. wow kudos to you and thanks so much for taking the time to write all of that. I am certain it will benefit many.
  12. well, Experian has a habit of adding a FRAUD alert to some people's credit reports when items are disputed so that could be the case. I have heard this happening to several people on several forums. As they told me, if I disputed "not mine" they HAD to add the fraud alert which I later found is BS. If they put a fraud alert on your file, you will have to use ID to do anything. I would call them and ask what the deal is. Did you dispute items claiming they aren't yours?
  13. did you mail the letter? I always send certified mail with copies of two forms of ID. If they want DNA tell them to take it off the envelope you licked.
  14. and typically it flows like this: *dispute with CRAs *if it is verified, send DV letter to CA * send 623 to OC OR use the 1-2 punch. Send DV to CA, use CMRR. As soon as it shows delivered to CA, send dispute to CRA. CA is supposed to let CRA know you are disputing and until they validate with you, they are not supposed to "verify" with the CRA. If they verify with the CRA without sending you validation, then you have a violation. From what I am told anyhow.