Gravity357 Posted December 15, 2007 Report Share Posted December 15, 2007 So I disputed a old TL with Experian that was HSBC. I get the letter below from them today. Should I respond? This has been deleted off of TU and EQ. Thanks for all the help everyone.HSBC Retail ServicesPO BOX 15521WILMINGTON DE 19850-552112/08/2007Re: ROOMS TO 60 PRE-APPROVAL Account Number: 000000000000000000 Balance: $1,000.01Dear Gravity357:HSBC Retail Services has received your credit bureau dispute concerning the above referenced account. In order to further research your dispute, we need a detailed letter supporting your fraud claim. The letter must provide a full explanation of the circumstances surrounding the fraud claim, along with a copy of a police report.!Please send the above requested information to the following address and enclose a copy of your driver's license or state-issued photo identification.Send this information to:HSBC Retail Services P.O. Box 15535 Wilmington, DE 19850 Attn: Fraud DepartmentShould you have any questions or require additional information, please feel free to contact us M-F 8am-5pm ET at 1-800-825-5716.Sincerely, Fraud Department L160 Link to comment Share on other sites More sharing options...
Gravity357 Posted December 15, 2007 Author Report Share Posted December 15, 2007 Guess I'm confused. Was this the result of identity theft?Nope. I just called and disputed it with Experian. Link to comment Share on other sites More sharing options...
MadMonkey Posted December 16, 2007 Report Share Posted December 16, 2007 Nope. I just called and disputed it with Experian.Exactly what did you say to them that led them to believe it was fraud.and on another note: Stop Talking To Them On The Phone.I can assure you they have your entire conversation recorded and chances are without you remembering you probably made some statement slightly hinted something of fraud that triggered them to send the fraud responce letter.To those that read this post, this is a great example of why you never, ever talk to the CRA, or CA's on a telephone. Link to comment Share on other sites More sharing options...
Gravity357 Posted December 17, 2007 Author Report Share Posted December 17, 2007 Exactly what did you say to them that led them to believe it was fraud.and on another note: Stop Talking To Them On The Phone.I can assure you they have your entire conversation recorded and chances are without you remembering you probably made some statement slightly hinted something of fraud that triggered them to send the fraud responce letter.To those that read this post, this is a great example of why you never, ever talk to the CRA, or CA's on a telephone.Whatever dude. Don't even try to talk down to me and try to make an example out of me. I disputed as not mine. Also, I'd like to point out in 2 months, I've gotten 16 deletes, so I think I'm pretty good at doing this. When I get the "item already disputed letter, yelling seems to help." Now move along and make yourself important in some other thread. Link to comment Share on other sites More sharing options...
zwiepak Posted December 17, 2007 Report Share Posted December 17, 2007 It's hot air. A LOT of creditors are doing this now. It's a pro-active scare tactic. They think simply because you're disputing the account then it MUST be fraud. It's BS. I have received a few of those myself, one of them (Chase I think it was) actually wanted me to physically sign off that the account was mine! lol I would not answer that letter. Search around the site, this sort of thing has been posted about often every now and then.... Link to comment Share on other sites More sharing options...
Textoy Posted December 17, 2007 Report Share Posted December 17, 2007 Not so sure i would say scare tactic. The question I would ask, is when you disputed with the CRA, did you say not mine? I have also noticied this response being posted frequently. I suspect it is the latest CA response tactic, or ploy if you will, to a not mine dispute with a CRA. Link to comment Share on other sites More sharing options...
VeVe Posted December 17, 2007 Report Share Posted December 17, 2007 Whatever dude. Don't even try to talk down to me and try to make an example out of me. I disputed as not mine. Also, I'd like to point out in 2 months, I've gotten 16 deletes, so I think I'm pretty good at doing this. When I get the "item already disputed letter, yelling seems to help." Now move along and make yourself important in some other thread.Yes, and if you dispute as "not mine" over the phone, they classify it as being fraud. If it's on your CR, and you say it's not yours, what else is left? There are only so many codes that exist to kick off an investigation. Calling a CRA is the dumbest thing you can do (I know, I used to work for TU).When you call the CRA, your phone call is monitored by a supervisor. It's much, much different than writing a letter to dispute (they are not monitored). That being said, I hope HSBC nails you on this one. Way to be be respectful to people trying to help you. Link to comment Share on other sites More sharing options...
win270 Posted December 17, 2007 Report Share Posted December 17, 2007 Yes, and if you dispute as "not mine" over the phone, they classify it as being fraud. If it's on your CR, and you say it's not yours, what else is left? There are only so many codes that exist to kick off an investigation. Calling a CRA is the dumbest thing you can do (I know, I used to work for TU).When you call the CRA, your phone call is monitored by a supervisor. It's much, much different than writing a letter to dispute (they are not monitored). That being said, I hope HSBC nails you on this one. Way to be be respectful to people trying to help you.Whats left? How about a mistake ? I had 2 accounts that were not mine reported on my CR. Was a pain in the to get removed because of there fraud BS. Must send police report to have deleted? Now thats the dumbest thing. Both were from Chase, They had my account mixed with 2 others. They were good TL's so why would I have wanted them removed if it was fraud! Took 2 months for the matter to be solved. Link to comment Share on other sites More sharing options...
deepak115 Posted December 18, 2007 Report Share Posted December 18, 2007 Question for VeVe:So you are saying if I send a letter to CRA instead of a phone call and dispute a listing as "Not Mine" they will not classify it as Fraud ?Also, Whats your take on an online dispute filling ? Link to comment Share on other sites More sharing options...
prettykitty Posted December 18, 2007 Report Share Posted December 18, 2007 i've sent several not mine accounts, placed a fraud alert on my accts, but i've never received that ltr. however tu has sent me the "permissible purpose" ltr regarding removing inq's pls contact the creditor bla bla bla, all i did was wait out the 30 day time period & resubmit the same ltr adding submitted previously on date & they removed all, but one inq...you get more flies with honey than vinegar...being respectful just feels better:mrgreen: Link to comment Share on other sites More sharing options...
Gravity357 Posted December 18, 2007 Author Report Share Posted December 18, 2007 Be careful....he might delete you from his MySpace friends.... I don't like deleting Myspace friends. Link to comment Share on other sites More sharing options...
Gravity357 Posted December 18, 2007 Author Report Share Posted December 18, 2007 Not so sure i would say scare tactic. The question I would ask, is when you disputed with the CRA, did you say not mine? I have also noticied this response being posted frequently. I suspect it is the latest CA response tactic, or ploy if you will, to a not mine dispute with a CRA.Basically, I told the guy on the phone "this account isnt mine. I want you to re-investigate because I keep getting the we refuse to re-investigate letter when I write a dispute. He was said what is the reason, I said it isn't my account. To the guy that used to work for the CRA, I could respond nasty to your comment but because it's the Holidays, I'll be nice. Link to comment Share on other sites More sharing options...
VeVe Posted December 18, 2007 Report Share Posted December 18, 2007 Whats left? How about a mistake ? I had 2 accounts that were not mine reported on my CR. Was a pain in the to get removed because of there fraud BS. Must send police report to have deleted? Now thats the dumbest thing. Both were from Chase, They had my account mixed with 2 others. They were good TL's so why would I have wanted them removed if it was fraud! Took 2 months for the matter to be solved.Your information doesn't have to be stolen for something to be considered fraud. A mistake is fraud. Anything on your report that truly doesn't belong to you is fraud. Link to comment Share on other sites More sharing options...
Gravity357 Posted December 18, 2007 Author Report Share Posted December 18, 2007 Wow I can see this becoming a flame war.... Can a mod lock it please. Link to comment Share on other sites More sharing options...
virtualrn Posted December 19, 2007 Report Share Posted December 19, 2007 HSBC nails on you on this one???? Are you kidding me? Geezus! They are are one of the ones reporting inaccuarately....This is the account of mine that will end up in court-I have no respect for them, they do not operate or comply with the statutes!!!! Get 'em Nas! Link to comment Share on other sites More sharing options...
Gravity357 Posted December 19, 2007 Author Report Share Posted December 19, 2007 Muhahahah HSBC....GONE!!! Sorry VeVe your hopes get crushed...move along. Link to comment Share on other sites More sharing options...
VeVe Posted December 19, 2007 Report Share Posted December 19, 2007 Muhahahah HSBC....GONE!!! Sorry VeVe your hopes get crushed...move along.OH no, my hopes are still very much alive. Just because it's not on your credit reports doesn't mean it doesn't exist. Link to comment Share on other sites More sharing options...
Gravity357 Posted December 19, 2007 Author Report Share Posted December 19, 2007 OH no, my hopes are still very much alive. Just because it's not on your credit reports doesn't mean it doesn't exist.It was paid in 2003...I'm pretty sure it's gone. Link to comment Share on other sites More sharing options...
Gravity357 Posted December 19, 2007 Author Report Share Posted December 19, 2007 I got a bad mark Link to comment Share on other sites More sharing options...
Gravity357 Posted December 20, 2007 Author Report Share Posted December 20, 2007 Can't imagine whyPerhaps because someone tried to make me look stupid and I called them on it. Then someone wanted HSBC to nail me and I rub it in their face when it didn't happen. Oh well since I'm the bad guy I'm done with CIC. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 20, 2007 Report Share Posted December 20, 2007 OK y'all - back to your corners. Don't make me lock this thread. Link to comment Share on other sites More sharing options...
TTigggers Posted December 20, 2007 Report Share Posted December 20, 2007 Can't We all be friends??? 1 Link to comment Share on other sites More sharing options...
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