EX started a dispute without my permission.

[Saleen099]

So I woke up this morning I got an email alert stating that one of my accounts on EQ ( Rooms to go)  was under dispute for some reason.  So I logged in and I checked and sure enough it was being investigated so I called up EQ  to find out what was going on.  Spoke to a representative he informed me that EX dispute the account by MAIL. 

I went to my happy place before responding and told the representative to stop the dispute I did not started nor did I give them permission to start a dispute on my behalf. 

After getting off the phone with  them. I decided To CALL TU  they  informed me and noticed an address on my credit report that did not belong to me  that they could not delete without sending it to a supervisor that had to send it to somebody else in another department that had to remove it. After spending two hours on the phone between the both of them I decided to call  and log into EX.  

YES and YES  I had to call them because one of my accounts have been deleted off of their. (SORRY CHASE) MY Chase  Account was sitting on a Nother credit report that was mine. Customer service representative informed me that I had to credit reports that they were going to have to merge back into one. That this would take 5 to 7 days to straighten out. 

My question is has this ever happened to anybody else? 

P.S  if you're not monitoring your credit shame on you for at least not getting your report every so often because this is some scary $&?%

[Anonymous]

sounds like someone is trying to steal your identity, and the dispute process is going to make it easy for them.

they file a dipute, all the bureaus do whatever with the dispute and send a new updated report, boom a few weeks later the person has everything they need to start living life under your name.

Id start with a freeze on all bureaus, overnight, siganture required letter with proper proof of identification to all three bureas explaining the whole story, include your phone number just in case, maybe even see if you can file a police report.  

I would think the bureaus have seen this before and can put a quick stop to it.  

may be worth a few minutes to check with all you credit card companies to see if anything strange is going on with any of your accounts..
Good luck, keep in mine time is NOT on your side, act quickly.

[RobertEG]

Inmy opinion, they acted with good intent, but acted improperly.

Under the FCRA, only the consumer can initiate either a dispute or a fraud alert.

The CRA does not initiate a dispute of accuracy of their own information, as that is contradictory.  FCRA 611 onnly authorizes a consuemr to dispute.  It is non-sensical for a CRA to substantialte the inaccuracy of information by way of dispute.  If they can substantiate inaccuracy, they can simply correct or delete.

I would contest any initiation of a dispute by the CRA as an unauthorized act under the FCRA, and file a formal complaint with the CFPB.

A fraud alert, however, is a bit different.  Again, only the consumer or his or her designated representative can, under the language of FCRA 605A, initiate a fraud alert.

However, the CRAs have taken the postion, and most likely a good practice, to assume that whenever an issue of fraud or identity theft arises, they have a duty as a "representative " of the consumer, to place a fraud alert.  In my opinion, while a stretch of the explciti language of the FCRA, it is a good practice.

The consumer can always, if accompanied by proof of identity, remove any fraud alert at any time by sending notice to the CRA, so it is a clearly and easily reversible process.