Gorbah Posted June 8, 2018 Report Share Posted June 8, 2018 A retail credit card was fraudulently opened in my name. I don't know if this is zombied or if this bait and switch or even legal for that matter. I'll do my best to explain . Cap1 hired PRA in 2016 and 2017 and got a couple collection letters from them. They listed HSBC as the OC, Cap1 as the current creditor and then the retailer. Sent off all my info proving it was fraud and got the standard letter from PRA stating that they will no longer pursue collections, removed from CRA's, and given back to OC. Well Cap1 and PRA both dropped off my credit report. Fast forward to the current day and I recently got another letter from PRA. The OC that they listed was Citi, had a different account number, but asking the same amount as the old 2016/2017 letter naming HSBC and Cap1. Now Cap1 and PRA are back on my credit report again for the same amount that they claim I owe Citi . Citi is not on my credit report. From my understanding Citi owned the retail card, then was sold to HSBC, then sold to Cap1. Then half were bought back by Citi. It's a bit complex to follow who sold and bought what as far as solid dates and the best info I can gather at this point. This is just waaaay too coincidental. Same dollar amount, different account and OC named after I get a letter stating they'll no longer pursue then Cap1 and PRA show up on my credit report again. Can some explain what this falls under? Quote Link to comment Share on other sites More sharing options...
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