WinterSky Posted October 7, 2010 Report Share Posted October 7, 2010 Asset Acceptance has been trying to collect a false debt from me. I never owned the debt - I figure they're actually looking for someone with a similar name to mine. They have my real name, address and phone number, but have the last four digits of a social security number that isn't mine. Can they look into any of my credit reports without my correct ssn, just by giving my name and address? I've already checked my Experian about a month ago and there was no sign of them; I can't look into the other two until a year has passed, without incurring a fee. Link to comment Share on other sites More sharing options...
jasen Posted October 7, 2010 Report Share Posted October 7, 2010 Probably, yes. Link to comment Share on other sites More sharing options...
WinterSky Posted October 7, 2010 Author Report Share Posted October 7, 2010 Oh, that's not good! Do you think they can also put marks on my CR? I wouldn't think they couldn't do that without my correct SSN. Link to comment Share on other sites More sharing options...
jasen Posted October 8, 2010 Report Share Posted October 8, 2010 Having a SSN is nice, but if they know enough about you to positively match you, it's often good enough to add a tradeline. If they're unscrupulous enough (and this is a CA we're talking about) they could add your SSN to their documentation if they figure out what it is.If the debt is definitely not yours, download and fill out the FTC identity theft affidavit and send it to the CA. They're attempting to put someone else's debt in your name, and that, to me, is identity theft. If they know you're serious about fighting this, they will move on to the next John Doe to stick this to. Link to comment Share on other sites More sharing options...
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