lolah Posted December 3, 2007 Report Share Posted December 3, 2007 I sent in all of the required ID Theft paperwork and they blocked 2 of the accounts (the OC's reporting) but not the CA's collecting for the OC's. I notified each company by email and included documentation. No reply and no deletes from my report. So, I sent the ID Theft paperwork to the CA's CMRRR on Friday. I emailed TU's Fraud Department and asked them to remove the information that is innacurate. This is the response I got from them: Thank you for your recent email to Trans Union. I have forwarded your dispute for processing. The dispute process takes 5-30days. When it is completed we will mail you notification in writing. Aren't the required by law to block the fraudulent accounts within a certain time frame? I thought I remembered seeing 4 or 5 days, but maybe I am wrong. This isn't a mere "dispute" - These items are NOT MINE (Inquiries, addresses, and TL's!). And, I sent the required paperwork to them! Link to comment Share on other sites More sharing options...
jasen Posted December 5, 2007 Report Share Posted December 5, 2007 Is this the FTC ID theft affidavit, or a police report for the ID theft?The latter is the one they're legally bound to abide by, the former is optional.If you have not done so, file the police report on these accounts to cover your butt. Then if they drag their asses, you can sick the FTC/AG on them. Link to comment Share on other sites More sharing options...
lolah Posted December 5, 2007 Author Report Share Posted December 5, 2007 Is this the FTC ID theft affidavit, or a police report for the ID theft?The latter is the one they're legally bound to abide by, the former is optional.If you have not done so, file the police report on these accounts to cover your butt. Then if they drag their asses, you can sick the FTC/AG on them.My main problem with the police reports: I don't know where to file them. The ID theft took place in more than one city - in a state I don't live in. So, if I have to file them in person, I can't.Or, can I just file them where I live now? Because, the truth is - I don't know WHEN EXACTLY this took place. Sometime in 2005. I lived in 3 different states, 4 different cities and different addresses during that time. (Long story - don't ask). Link to comment Share on other sites More sharing options...
Ahntara Posted December 5, 2007 Report Share Posted December 5, 2007 "...police report; I don't know where to file them..."File where it is convenient.The FCRA defines a valid Identity Theft report as one that, "...alleges an identity theft; that is a copy of an official, valid report filed with an appropriate Federal, State, or Local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the commission, and the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false."This information can be found in the FCRA, Title 15 USC, subsection 603(q)(4)(A)(©. There is a sticky at the top of the page.So you get to choose which Federal, State or local law enforcement agency you would like to make your report to. They're all proper, as long as the report is made under oath. The Postal Inspectors office is also a proper source and may, under some circumstances, be best. It's all up to you. Link to comment Share on other sites More sharing options...
lolah Posted December 5, 2007 Author Report Share Posted December 5, 2007 "...police report; I don't know where to file them..."File where it is convenient.The FCRA defines a valid Identity Theft report as one that, "...alleges an identity theft; that is a copy of an official, valid report filed with an appropriate Federal, State, or Local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the commission, and the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false."This information can be found in the FCRA, Title 15 USC, subsection 603(q)(4)(A)(©. There is a sticky at the top of the page.So you get to choose which Federal, State or local law enforcement agency you would like to make your report to. They're all proper, as long as the report is made under oath. The Postal Inspectors office is also a proper source and may, under some circumstances, be best. It's all up to you.Great, thank you so much. I have been googling ID theft and what the law states and it's right here in front of my face! Link to comment Share on other sites More sharing options...
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