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Help Please, Identity theft w/ Bank of America


Sharrii
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I had an unknown person use my name and open up an account at BOA in August 2005. I do not nor have I ever had an acct with BOA. I found out about this is January of 2006. I filled out my identity theft affidavit form, sent that information certified mail along with a copy of my DL and SS card to BOA, since the person used an altered version of my own and some odd drivers license number. I was told by the Rep at BOA that it was resolved, nothing further needed to be done on my part. Recently, I went to open up a checking account with a completely different bank and was declined due to information on my ChexSystems report. I requested copy and BOA is the reporting agency. They reported me even using the bogus identifiers. How can that happen? And, now I re-mailed by paperwork back to BOA and ChexSystems, as well as I involved the OCC. Now I am getting the run around. How can they put this back on my reports? And, they didn't even report it until January 30th 2006. Isn't there a reporting statue?

Help, this is disrupting my life, what next? What more can I do besides file legal action?

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Looks like you need to file an ID theft report with your police department in the city where you live. Get a copy of the report.

Find out from BOA when the account was opened. It had to have been opened with a different address than where you lived at the time or the statements/checks would have gone to you.

Report ID Theft to Federal Trade Commission (FTC). Make copy of report. Also, do an ID Theft affadavit report form.

Send a letter to BOA (instead of calling them) along with a copy to the 3 credit bureaus stating ID Theft. Include a copy of your police report, a copy of FTC, and Affadavit report, copy of a lease agreement or bill statement of the address you lived at during the time the account was opened with BOA. and copy of your DL.

This should take it off your report quickly and you will be able to open an account at another bank with this info also while you are waiting for BOA and the credit bureaus to get their part done.

Also, put an ID Alert on your credit report for all 3 bureaus. This requires anyone requesting credit/opening any type of account, to PROVE that they are you with all the correct documentation.The creditor, bank. employer, or apartment complex is required to validate documentation presented to them completely, before they are allowed to approve the personn for any type of account with them.

Look at the letter for ID Theft on this site for an example of what to send.

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