Can "Date Opened" indicate ID theft?

[gotters]

I recently viewed my credit report which I expected to be bad but was a LOT worse than expected.

It turns out that most of the Credit Items which are bad are listed under banks which I dont believe I ever had credit with and to make matters more strange the "Date Opened" date is at a time that I was no longer even living in the USA.

Can I assume that ID theft has happened or am I reading the "Date Opened" incorrectly?? Does Date Opened mean the date that I opened the account at the bank or could it refer to some kind of debt transfer to the bank? Do banks even do that? Just trying to get this all clear.

Please someone help!

Thanks

MG

[donqII]

I recently viewed my credit report which I expected to be bad but was a LOT worse than expected.

It turns out that most of the Credit Items which are bad are listed under banks which I dont believe I ever had credit with and to make matters more strange the "Date Opened" date is at a time that I was no longer even living in the USA.

Can I assume that ID theft has happened or am I reading the "Date Opened" incorrectly?? Does Date Opened mean the date that I opened the account at the bank or could it refer to some kind of debt transfer to the bank? Do banks even do that? Just trying to get this all clear.

Please someone help!

Thanks

MG

I would think date opened is that date the account was opened by someone, if not you, with a bank. If an account was transferred/bought it would indicate that and a JDB reports the date they open your account but it can be cross referenced with the OCs reporting.

That being said..... if you do not recognize items.... I would think ID theft,

and I would... if it were I.... see what you need to do first and foremost to report this to the police.

A couple of years ago, when I first started to dispute items, (using credit cleanup people) I got a notice from one of the CRAs that said if I am claiming an account was not mine, they wanted to see the police report.

If you are sued, you need to be able to prove you have taken appropriate steps on this.

Too many end up in court claiming it is not their account and ending up with a judgment.... and they never did anything that would tell an OC, a JDB, or a judge that they have taken proper steps in reporting this....

[Lurlineme]

I can only agree with you. Any opened date listed on your report would not be listed on it unless you have not opened it or have done any transactions with it. You can consider it a case for identity theft, especially when some items are not recognized. Now, seeking help with the bureaus would be half way beneficial as they have several connection, but the along with it seek help with the right authority as the police. But of course, you have to attest that your claims are valid and true otherwise, the case may go the other way around.

[Torden]

FYI, "account not mine" has other explanations besides identity theft. Creditor mixups among like named people is one. CRA mixups is another, and probably still the biggest. If the CRA really, really wants a police report where the evidence does not narrow it down to identity theft, then I'll file the police report naming the CRA as the perpetrator (instead of John Doe). Normally, doing a "not mine" dispute through the CRA is a step in the process to determine if it is ID theft or not.