hunee Posted June 28, 2005 Report Share Posted June 28, 2005 Ok here's the situation.DH has a CA named West Asset Management collecting for a Sprint pcs bill that is not his.Before I could post a thread for advice on what to do about this CA. DH decideds to call the CA . He states that this is a fraudulent account. They said they'd mail out a fraud packet, It's been a month now and no packet, but they did however update and add a new collection TL to his CR. Now he has 3 TL of the same account.So DH decides to call the OC thinking they'll fix things. So they send out a fraud packet asking for all kinds of info. Should DH fill this out and send it back to OC? DH has never received any notices from OC or CA for this account. We discovered this account after pulling his 3 CR. Only EQ is reporting this account. Thanks for any advice. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted June 28, 2005 Report Share Posted June 28, 2005 DH should stay off the phone unless he has a tape recorder rolling. Now, he should 1-2 punch them by sending a DV and disputing with the CRA's when he gets the green card back. Get the continued collection violation and sue. Is the TL reporting correctly? Link to comment Share on other sites More sharing options...
hunee Posted June 28, 2005 Author Report Share Posted June 28, 2005 Thanks for you reply. Up until we ordered DH CR's we had no clue this CA's TL was on DH CR. I think the whole TL is bogus. The date opened on the TL is 3/2002. We had cell service with another provider at the time. and never had sprint service. I will DV them and cross my fingers.By the way sprint did this to me before I started my credit repair. I was able to get the TL removed. Just so happened I was having a c-section the day they said I opened the account. They had my social, DL# and everything. But I guarantee It was not me Link to comment Share on other sites More sharing options...
Methuss Posted June 28, 2005 Report Share Posted June 28, 2005 The FCRA (FACTA) section 609d says all you have to do is go to the local police station, fill out an IDTheft report and mail it to them. They are required to permanently supress the reporting, stop collections, and never sell or attempt to sell it to anyone else once they get this. Link to comment Share on other sites More sharing options...
hunee Posted June 28, 2005 Author Report Share Posted June 28, 2005 Do we fill out the fraud packet the OC sent and send It back with the police report? Or just send them the report by itself. They want DH social,DL# the whole nine yards. Also do we send the packet back to the OC or the CA? OC is not listed on any of DH CR's just the CA, but OC sent the packet not the CA. Thank for your reply. Link to comment Share on other sites More sharing options...
Methuss Posted June 28, 2005 Report Share Posted June 28, 2005 That packet of forms is not required by the FCRA to trigger their responsibility to supress. They are asking for more than is required by law. All the law requires is the police report and a statement that the account is not yours. A copy of your D/L is required only if they are not reasonably sure they are really talking to the correct person. Link to comment Share on other sites More sharing options...
hunee Posted June 28, 2005 Author Report Share Posted June 28, 2005 Gotcha, this situation is looking very promising now thanks to all the replies. DH will file a report and send out asap. Link to comment Share on other sites More sharing options...
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