topic Re: FIRST PREMIER HELP NEEDED!! in Rebuilding Your Credit

FIRST PREMIER HELP NEEDED!!

Anonymous — Tue, 21 Jul 2015 14:38:04 GMT

I have disputed a collection w/FPB VIA email and w/ all CRA.

I also filed a complaint with the BBB

I rcvd a email from FPB TELLING ME TO FILE A IDENTITY THEFT VICTIM COMPLAINT AND AFFIDAVIT....

PLS ADVISE...

Thanks

Re: FIRST PREMIER HELP NEEDED!!

CreditCuriosity — Tue, 21 Jul 2015 14:43:17 GMT

Is it your debt?

Re: FIRST PREMIER HELP NEEDED!!

Anonymous — Tue, 21 Jul 2015 15:19:23 GMT

No its not my debt,

Do I need an Police Report?

I plan on applying for an Mortgage in Sept.

Re: FIRST PREMIER HELP NEEDED!!

CreditCuriosity — Tue, 21 Jul 2015 15:37:21 GMT

Other will ring in then.. Just wanted to clarify it, becuase of your original post. I would take a guess yes, but let the experts in here chime in as I am not one on credit repair w/regards to this. Others will reply soon enough, just hold tight.

Re: FIRST PREMIER HELP NEEDED!!

gdale6 — Tue, 21 Jul 2015 23:57:49 GMT

Just use the ID Theft provisions afforded you in FCRA 605B to have it removed. Here is the thread that will help you. Good luck

http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect-Yourself/td-p/2059499

Re: FIRST PREMIER HELP NEEDED!!

RobertEG — Wed, 22 Jul 2015 01:33:09 GMT

The issue is your basis for disputng the collection.

Did you, in your dispute, assert that you never had an account with the named creditor that is alleged to be the basis of the asserted debt?

They apparently detected some sttatement on your part that the debt resulted from identity theft.

Is that your position, and if so, are you willing to put such an assertion into the form of a sworn police report?

Yes, in order to take advantage of the identity theft provisions of FCRA 605B, you must put your assertion into the form of a police report.

The significance is that a police report carries potential criminal penalities for any knowingly false statements, and thus is the accepted means under the FCRA for requiring a CRA to then block the credit reporting without any approval or involvement of the creditor.

If you dont assert someone else usued your identity, then filing a police report would not be apprppriate.

However, if that is basis for your dispute, then it will get the credit reporting blocked without any need for the dispute or concurrent by the creditor.

Re: FIRST PREMIER HELP NEEDED!!

Anonymous — Wed, 22 Jul 2015 01:42:15 GMT

@Anonymous wrote:
I have disputed a collection w/FPB VIA email and w/ all CRA.
I also filed a complaint with the BBB
I rcvd a email from FPB TELLING ME TO FILE A IDENTITY THEFT VICTIM COMPLAINT AND AFFIDAVIT....

PLS ADVISE...
Thanks

If it is not yours, then YES, that is exactly what you need to do. Please go read FCRA 605B, it explains what you need to do very clearly.