InFiNiTeX Posted April 30, 2003 Report Share Posted April 30, 2003 What do you do when something is really not yours and you dispute it and it comes back as verified. I have Tried No knowledge of account. And 9 days later it came back Verified. I called the OC asking what it was they said i needed the account number which shows up 5984XXXXX in my credit file, How do i get the full acount Number? BTW you guys OWN (rock) Link to comment Share on other sites More sharing options...
fixmycredit Posted April 30, 2003 Report Share Posted April 30, 2003 send a letter to the creditor requesting a signed applicationto prove it . Sometimes this works. Be nice at first ; justsay it isnt yours and you want some proof. Link to comment Share on other sites More sharing options...
crofttk Posted April 30, 2003 Report Share Posted April 30, 2003 <blockquote>Originally posted by InFiNiTeX...How do i get the full acount Number?..</blockquote>OK, fess up, is that your real picture or do you just use that to get all the smart ladies to respond ??? Seriously, I was lucky in that I found that on my TU mailed reports (and maybe some others PLUS some of my own records) they had the FULL account number shown. And watch out, sometimes the OCs will just up and change the numbers too if their status changes or if they're sold off.Do you have a TU report and does this TL show on it ? [Edit by crofttk on Wednesday, April 30, 2003 @ 11:36 AM] Link to comment Share on other sites More sharing options...
md Posted April 30, 2003 Report Share Posted April 30, 2003 Sometimes another creditor will buy the account. This happened with a Wachovia account I have. It shows up as First USA as they now are in control of the account.Otherwise, just do what the others have said. Link to comment Share on other sites More sharing options...
InFiNiTeX Posted April 30, 2003 Author Report Share Posted April 30, 2003 <blockquote>Originally posted by crofttk<blockquote>Originally posted by InFiNiTeX...How do i get the full acount Number?..</blockquote>OK, fess up, is that your real picture or do you just use that to get all the smart ladies to respond ??? Seriously, I was lucky in that I found that on my TU mailed reports (and maybe some others PLUS some of my own records) they had the FULL account number shown. And watch out, sometimes the OCs will just up and change the numbers too if their status changes or if they're sold off.Do you have a TU report and does this TL show on it ? [Edit by crofttk on Wednesday, April 30, 2003 @ 11:36 AM]</blockquote>Funny, yes that is my real picture, It says it is from DirecTV, which i have never had an account with them. Link to comment Share on other sites More sharing options...
Anonymous Posted April 30, 2003 Report Share Posted April 30, 2003 You can try pulling free report at worthknowing.com which uses TU. It shows all of my account numbers in full. That is, if it is listed on your TU report. Link to comment Share on other sites More sharing options...
crofttk Posted April 30, 2003 Report Share Posted April 30, 2003 Well, I'm better (still not necessarily good) at helping on post-bankruptcy stuff, but I'll make a comment to help get the ball rolling.Did you dispute this with the CRA or the OC ? It wouldn't surprise me if it was the CRA because they're real lazy and will tell you they verified something when half the time they didn't really.My guess is the next step for you is what's called a "procedural request" from whoever came back and told you it was verified.Bump, somebody speak up ? Link to comment Share on other sites More sharing options...
Swede Posted May 1, 2003 Report Share Posted May 1, 2003 <blockquote>Originally posted by crofttkMy guess is the next step for you is what's called a "procedural request" from whoever came back and told you it was verified.</blockquote>Yea definately agree- send a procedural request asking how they verified this information. Link to comment Share on other sites More sharing options...
utman17 Posted May 1, 2003 Report Share Posted May 1, 2003 Swede,Your going to pop your hips out of socket, if you dont hurry up and pop that whip....lol.. That will always make me smile when im down.. Link to comment Share on other sites More sharing options...
crofttk Posted May 1, 2003 Report Share Posted May 1, 2003 InFiNiTeX:On procedural request, if it's the CRA, they may just come back with some generic mumbo jumbo giving a name, address, maybe a phone number for the information furnisher and claim they verified it with them. If that's the kind of response you get, don't give up ! This is apparently a common outcome and there are steps you can take after that. So, if that happens, come back and look for help with what comes next ! I won't try to address that myself here, others can do a better job.Good Luck ! [Edit by crofttk on Thursday, May 1, 2003 @ 07:19 AM] Link to comment Share on other sites More sharing options...
kb9tbq Posted May 1, 2003 Report Share Posted May 1, 2003 There should be a way over the phone or by fax to get the creditor to help you resolve this matter.When I verify disputes that an account don't belong to the customer which they are reporting on.I will fax them a letter something like this:DirectvAttention: Credit Reporting DepartmentPlease verify account informaton on ........; authorization included.Account # Date OpenHigh CreditBalanceTypeStatusNote: Consumer disputes that this account does not belong to (him/her). Please verify and fax back confirmation.Consumers NameAddressSocial Security NumberThis should work right off; might take them up to 48 hours to fax back response. If you don't hear back then re-fax or call customer service to verify that they recieved your fax and verify the correct department that this should be directed to. Link to comment Share on other sites More sharing options...
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