@spike69 wrote:I have a Direct Dispute with an OC. They just sent a packet back to me stating I needed to complete an affadavit with a police report proving identity theft etc. I have not filed a police report, I contacted my local policy station and they said they would not take a report for a possible "ID theft from 2008" and at the end of the day this is the first time I have been asked by an OC to prove identitiy theft when directly disputing a debt. Can they FORCE me to submit a police claim. I have ID theft protection in place so i can prove that for today but not as of 2008.
ARGH
If you have just discovered this it would be a current report even if it occured 6 years ago. Here is a helpful thread on the subject http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect...
You have to follow the rules in order to get the CRAs to remove the account(s) that are not yours.
