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Telecheck Arghhhhhhhhhhhhhh!!!!!!!!!!!!!


thejohn-texas
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My wife had hed identity stolen three years ago they really did a number on her. We got everything fixed EXCEPT TELECHECK.

She cannot write a check ANYWHERE, everytime I call in they tell me they have found the problem and have fixed it while I was on hold...........

:evil::evil::evil:LIES, LIES, LIES:evil::evil::evil:

Does anybody have a suporvisors number, a backdoor or any advise, I just want to write a check at the mall....................................:confused:

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My wife had hed identity stolen three years ago they really did a number on her. We got everything fixed EXCEPT TELECHECK.

She cannot write a check ANYWHERE, everytime I call in they tell me they have found the problem and have fixed it while I was on hold...........

:evil::evil::evil:LIES, LIES, LIES:evil::evil::evil:

Does anybody have a suporvisors number, a backdoor or any advise, I just want to write a check at the mall....................................:confused:

have you sent a formal complaint via certified mail to start the paper trail?

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Yes have sent in EVERYTHING certified notaried the whole 9 yards, I am going to get on them again this morning....................this has been ongoing for three years

they are a credit reorting agency just as the big three...

Put the law on them---its on your side!!!!!!

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Yes have sent in EVERYTHING certified notaried the whole 9 yards, I am going to get on them again this morning....................this has been ongoing for three years

Telecheck Key Executives

Mr. Charles D. Drucker

Chief Executive Officer and President

Mr. Brian Connolly

Senior Director of Collection Services

What type of letters have you sent? Did you file police or FTC reports?

I've sent letters re identity theft and had removed without a problem from EQ.

Let me know if You need a template.

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I received a letter from WaMu notifying me of their right to close my recently opened checking account. Their decision to close the account was based on information provided to them from a consumer reporting agency by the name of Early Warning Systems, LLC. I did have a problem with BofA in 2003 when a check I deposited cleared and was paid by BofA, I withdrew the funds and then the check was returned NSF. At which point BofA wanted the funds returned. Needless to say, at that point the funds had been spent and I did not have the ability to repay the bank. The account is currently with a CA.

I would like some help with the following questions.

1. Is anyone familiar with EWS, LLC?

2. Could I be on ChexSystem?

3. What is the SOL (Florida) on this type of debt?

4. How long can this stay on CR?

Thanks for your help. :rolleyes:

Is EARLY WARNING SYSTEMS, LLC similiar to TELECHECK?

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Telecheck Key Executives

Mr. Charles D. Drucker

Chief Executive Officer and President

Mr. Brian Connolly

Senior Director of Collection Services

What type of letters have you sent? Did you file police or FTC reports?

I've sent letters re identity theft and had removed without a problem from EQ.

Let me know if You need a template.

Yes PLEASE post a template, I am tired of screwing around with this.............same story today, yes to all forms police and FTC all certified mail with the proof at the house.....

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Yes PLEASE post a template, I am tired of screwing around with this.............same story today, yes to all forms police and FTC all certified mail with the proof at the house.....

DATE

CREDITOR/CA/ OR CRA NAME

Re: Acct#

I am writing to dispute a fraudulent tradeline on my credit report in the amount of $. I am a victim of identity theft, and I am requesting that the tradeline be removed from my credit report.

Enclosed is a copy of my Identity Theft Report supporting my position.

(I submitted a complaint with the FTC online, printed the form)

In addition, I am enclosing a copy of sections 605B, 615(f) and 623(a)(6) of the Fair Credit Reporting Act (FCRA), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to the result of identity theft.

Please investigate this matter and remove the fraudulent entry immediately.

Sincerely,

Your name and address

Enclosures:

Identity Theft Report

FCRA Sections 605B, 615(f), 623(a)(6)

ENCLOSURE:

FCRA 605B (15 U.S.C. § 1681c-2) Block of Information Resulting from Identity Theft

(a) Block

Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of--

(1) appropriate proof of the identity of the consumer;

(2) a copy of an identity theft report;

(3) the identification of such information by the consumer; and

(4) a statement by the consumer that the information is not information relating to any transaction by the consumer.

(B) Notification

A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection (a) of this section--

(1) that the information may be a result of identity theft;

(2) that an identity theft report has been filed;

(3) that a block has been requested under this section; and

(4) of the effective dates of the block.

© Authority to decline or rescind

(1) In general

A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that--

(A) the information was blocked in error or a block was requested by the consumer in error;

(B) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block; or

© the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

(2) Notification to consumer

If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i(a)(5)(B) of this title.

(3) Significance of block

For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

(d) Exception for resellers

(1) No reseller file

This section shall not apply to a consumer reporting agency, if the consumer reporting agency--

(A) is a reseller;

(B) is not, at the time of the request of the consumer under subsection (a) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer; and

© informs the consumer, by any means, that the consumer may report the identity theft to the Commission to obtain consumer information regarding identity theft.

(2) Reseller with file

The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if--

(A) the consumer, in accordance with the provisions of subsection (a) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft; and

(B) the consumer reporting agency is a reseller of the identified information.

(3) Notice

In carrying out its obligation under paragraph (2), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.

(e) Exception for verification companies

The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs (1) through (3) of subsection (a) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a(p) of this title, any information identified in the subject identity theft report as resulting from identity theft.

(f) Access to blocked information by law enforcement agencies

No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this title.

ENCLOSURE:

FCRA 615(f) (15 U.S.C. § 1681m(f)) Requirements on Users of Consumer Reports – Prohibition on Sale or Transfer of Debt Caused by Identity Theft

(f) Prohibition on sale or transfer of debt caused by identity theft

(1) In general

No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

(2) Applicability

The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).

(3) Rule of construction

Nothing in this subsection shall be construed to prohibit--

(A) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;

(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing; or

© the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

ENCLOSURE:

FCRA 623(a)(6) (15 U.S.C. § 1681s-2(a)(6)) Responsibilities of Furnishers of Information to Consumer Reporting Agencies – Duties of Furnishers upon Notice of Identity Theft-Related Information

(6) Duties of furnishers upon notice of identity theft-related information

(A) Reasonable procedures

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

(B) Information alleged to result from identity theft

If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

****If you dont have time to submit a FTC complaint, here's another letter to use. Submit the FCRA citations (see above) as well.

IDENTITY THEFT STATEMENT

Date

COLLECTION AGENCY:

ACCOUNT NO.

I am exercising my rights in accordance with (IAW) the Fair Credit Reporting Act to request removal of any tradelines of this account on my credit report including inquiry records and collection notices being reported to the three major credit bureaus, Experian, TransUnion, and Equifax. This request is due to the fact that the above-referenced account is fraudulent due to unauthorized access to utility services dating from October 2003 through December 2005. Likewise, you shall consider this account to be fraudulent and a case of identity theft. I did not put this in writing sooner in writing sooner because I was unaware of the fraudulent activity until I contacted the original creditor, Consumers Energy, in September 2007. I also received, in writing, a partial debt validation from your agency. In addition, I did not know what recourse was available to me as an identity theft victim.

I hereby affirm:

(If you have any of oyour own degenses, list them here as well)

v I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report.

v I did not receive any benefit, money, goods, or services as a result of the events described in this report.

v I don’t know who the imposter is at this time or how this happened.

The Cantwell-Enzi amendment to the nationally approved FACTA (effective June 2, 2004) will require compliance with this request within 30 days. Further, credit issuers must provide that documentation and information to a police agency designated by the impersonated party. In lieu of a police report, official affidavit filed with the following agency:

Name of agency: FEDERAL TRADE COMMISSION

Case #_____(If you file a FTC complaint they will send you a confirmation # on the letter.)

Please be advised that continued reporting of this account to the credit bureaus as collection items is considered a violation of the state and federal laws in accordance with FCRA AND FACTA. Please do not sell, distribute, trade, exchange, share, donate, giveaway and/or transfer information about this fraudulent account with any other entity. Once resolved, I expect a letter of clearance to be issued within 10 days.

Your name & address (Do not sign)

I declare under penalty of perjury that this declaration is true and correct to the best of my knowledge. Knowingly submitting false information on this affidavit could subject me to criminal prosecution for perjury.

WITNESS:

________________________ ____________________________

(Signature) (Printed name)

_________________________ ____________________________

(Date) (Telephone)

Encl:

Cc: FILE

FTC

EQUIFAX

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