lolah Posted November 26, 2007 Report Share Posted November 26, 2007 I disputed with the CRA's for a 2 year CO that was not mine. I sent the FTC ID theft paperwork and they were deleted within days. But, now Midland Credit Management has just reported the account. (No dunning letter BTW)Obviously, I DV them immediately - but do I include the ID theft paperwork or just send a normal DV letter?Right now, they are only reporting to TU. I would like to try to get this resolved before they report to EX and EQ. Link to comment Share on other sites More sharing options...
Ahntara Posted November 26, 2007 Report Share Posted November 26, 2007 Why take any chances? Provide the ID theft docs and get this taken off Link to comment Share on other sites More sharing options...
lolah Posted November 26, 2007 Author Report Share Posted November 26, 2007 Thanks. Sent this today:This email is in regard to a collection account recently placed on my credit report as of 11/15/2007. I am contacting you by email because, unfortunately I had to research your company on the internet to find contact information, as I have received no correspondence regarding this account. I am a victim of identity theft. The collection account placed on my credit reports is the result of fraud by someone who used my personal information without my knowledge or consent. I have attached a copy of the Identity Theft Complaint filed with the FTC supporting my position. Please cease all contact with me or anyone else about this account except the creditor or consumer reporting agency as necessary to clear my name. I understand that under state and federal law, you may only contact me one more time in order to confirm your receipt of this request. I look forward to your acknowledgement that you have received this notice and deleted all references of this fraudulent account by 12/3/2007. Link to comment Share on other sites More sharing options...
Ahntara Posted November 26, 2007 Report Share Posted November 26, 2007 "...Identity Theft Complaint..."More documentation is required (in the law). Reference the FCRA 1681c-2, subsection 605B for a complete list and 1681a, subsection 603(q) for the definition of, and reason for, a proper ID Theft report. There is a sticky at the top of the page. Link to comment Share on other sites More sharing options...
lolah Posted November 27, 2007 Author Report Share Posted November 27, 2007 "...Identity Theft Complaint..."More documentation is required (in the law). Reference the FCRA 1681c-2, subsection 605B for a complete list and 1681a, subsection 603(q) for the definition of, and reason for, a proper ID Theft report. There is a sticky at the top of the page.Maybe so, but the CRA's deleted 2 CO's that weren't mine with just the complaint form. From my personal experience, you do not need all of them, just one. Link to comment Share on other sites More sharing options...
Ahntara Posted November 27, 2007 Report Share Posted November 27, 2007 "...CRA's deleted...with just the complaint form..."That's why I said "...in the law...". It's great that you got that result in REAL LIFE and it's good to share your personal experience. But to be safe, all the required documenation should be sent. Link to comment Share on other sites More sharing options...
lolah Posted November 27, 2007 Author Report Share Posted November 27, 2007 "...CRA's deleted...with just the complaint form..."That's why I said "...in the law...". It's great that you got that result in REAL LIFE and it's good to share your personal experience. But to be safe, all the required documenation should be sent.I agree. I was researching where to file the police report. I have read online to file where the ID theft occourred, but I am unsure where. So, I was just going to file where I live now.This is all new to me. Link to comment Share on other sites More sharing options...
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