Epic Contributor
Posts: 25,091
Registered: ‎03-19-2007
Re: Collection agency dunning letter from Orbitz


Once having filed the police report, send a copy to the CRA, which will block any reporting from your CR under FCRA 605B.


The identity theft process, under the provisions of section 615(g), also provides for sending a copy to a debt collector, and requesting that they provide to you all information to which you would normally be entitled if you had disputed the debt.  A way to compel disclosore of the basis for their collection activity outside of the normal FCRA dispute process.  Important in your case, as you must first have credit reporting in order to dispute its accuracy.  The identity theft process does not require prior credit reporting in order to exercise the same verification rights.


Get that police report, and lock them out!