@Anonymous wrote:
Thank you so much!! I've never heard of the CFPB dispute process and am looking into it now.
If you don't mind, I had one more follow-up question: which party should I direct the dispute towards? Credit agencies, original creditor, or collection agency?
All 3 credit agencies show the negative account and Credit One Bank was the original creditor, but it sold the account to the collection agency. It seems that you only have one chance to dispute each problem and I want to go about it the right way.
Hi @Anonymous, if you'll post your dispute/identity theft questions in a new thread over in General Credit you'll get more topical answers. There are people who post there who don't venture here.
--UB
Edited to add: I see you already have one: https://ficoforums.myfico.com/t5/General-Credit-Topics/Family-member-used-my-social-security-number/m-p/5264501