bu9418 Posted July 7, 2003 Report Share Posted July 7, 2003 I called EQ today about inquiries. They took everything I had and said they would be deleted. I called EX and the rep said the same thing about each inquiry "We are required by law to report this. You granted so and so permission." I finally asked for the fraud department.Once in the Fraud department, I gave all the inquiries, they took them all without question. I then went on and said "Oh by the way, your web site won't let me dispute these two items. I sent letters of dispute to you and you returned them saying you wont accept them.One from Sears... The EX Fraud rep stated "You sent Sears letters twice asking for documentation stating that you dispute. They disagreed and told us not to remove twice." I explained. "But I have no knowledge of this account, why I can't dispute it again. Can't it be disputed as fraud if I have no knowledge of the account. I sent Sears letters twice explaining that I may be a victim of identity theft. They have not responded to me." The EX rep took it and disputed as possible fraud and said if they (Sears) disagrees with fraud, then I CAN NEVER DISPUTE IT AGAIN." That is not so is it? Any help? Link to comment Share on other sites More sharing options...
creditfix Posted July 7, 2003 Report Share Posted July 7, 2003 If the account is really not yours, then you need to also call Sears and DEMAND they take it off your report. Sue them! Link to comment Share on other sites More sharing options...
ADSOFT Posted July 7, 2003 Report Share Posted July 7, 2003 <blockquote>Originally posted by bu9418I called EQ today about inquiries. They took everything I had and said they would be deleted. I called EX and the rep said the same thing about each inquiry "We are required by law to report this. You granted so and so permission." I finally asked for the fraud department.Once in the Fraud department, I gave all the inquiries, they took them all without question. I then went on and said "Oh by the way, your web site won't let me dispute these two items. I sent letters of dispute to you and you returned them saying you wont accept them.One from Sears... The EX Fraud rep stated "You sent Sears letters twice asking for documentation stating that you dispute. They disagreed and told us not to remove twice." I explained. "But I have no knowledge of this account, why I can't dispute it again. Can't it be disputed as fraud if I have no knowledge of the account. I sent Sears letters twice explaining that I may be a victim of identity theft. They have not responded to me." The EX rep took it and disputed as possible fraud and said if they (Sears) disagrees with fraud, then I CAN NEVER DISPUTE IT AGAIN." That is not so is it? Any help?</blockquote>Is the Sears account yours?????Usaully all CRA'S will give you one chance to dispute the "NOT MINE" scenario. Some CRA's might allow you to dispute it again but technically they don't have to. Usually, what members do is dispute something other than not mine: The DOLA date, the amount. .....There is a thread that lists about 10-15 things you can dispute after the orig. "not-mine". BTW, if you feel its not yours call the sears tell them that and have them send you a letter stating its not yours, then fax it the CRA, they will remove it!!!Good luck Link to comment Share on other sites More sharing options...
bu9418 Posted July 7, 2003 Author Report Share Posted July 7, 2003 I didn't say it wasn't mine. I really don't know one way or another. I am one of those idiots who let the ex handle all financial obligations. I worked, sometimes three jobs, handed the paychecks over to her, she handled everything. After I finally and mercifully got my divorce finalized, I started receiving collection calls. I got them from Macy's, from Rich's from just about anyone there was. Since I have a house and wasn't planning on going anywhere, I pulling my credit reports were never that important to me. So I didn't until early this year.It was then I started disputing everything. So to say, for sure they aren't mine depends on how the law is. If she opened them in my name while we were married, are they considered mine? and if so, is there a way to combat them? Now, I am not saying I was the pillar of responsibility, because I have some COs, but those I am not sure about, I have disputed as not mine.Thanks for listening/reading. Link to comment Share on other sites More sharing options...
bu9418 Posted July 7, 2003 Author Report Share Posted July 7, 2003 And yes, I have sent Sears two letters of dispute, even stating that I may be a victim of Identity fraud, but they don't respond. The CRAs don't listen to "The OCs didn't respond, you must delete." Link to comment Share on other sites More sharing options...
ADSOFT Posted July 7, 2003 Report Share Posted July 7, 2003 This might help:http://d4003921.u51.infinology.com/cgi-bin/cutecast/cutecast.pl?session=esIIeAcwoyl8TLX3r2XGrZVmM2&forum=1&thread=9815 Link to comment Share on other sites More sharing options...
bu9418 Posted July 7, 2003 Author Report Share Posted July 7, 2003 Well I called Sears, after four transfers they sent me to fraud department. They said someone had tried to find an application. They took it down as application fraud and said someone would get back to me. They said the bill used to go to a PO Box, then it was changed to my address in November 1999. I said, "well, I saw a PO Box on my credit report and disputed it too. "BTW, I also sent a FCRA accuracy letter to them noting all of the descrepansies for each CRA. Hopefully I'll get some response. Link to comment Share on other sites More sharing options...
Highrisk Posted July 8, 2003 Report Share Posted July 8, 2003 Something sounds fishy here. I don't think Sears can get away with just "not responding." Remind them of the law. I'd get a hold of your ex if I were you. P.O. Boxes do not mysteriously establish themselves. Link to comment Share on other sites More sharing options...
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