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I need help. I am desperate and don't know what to do.

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Anonymous
Not applicable

Re: I need help. I am desperate and don't know what to do.

My goodness! Your ordeal is enough to be mistaken for well, all sorts of awful things. Since the CRAs are bound by law to accept your polive reports, perhaps you can try that route again.
Message 11 of 14
righthererightnow
Frequent Contributor

Re: I need help. I am desperate and don't know what to do.

You really need to get law enforment, and fraud enforment involved in all of this. Go to whatever level applies, but you should have a paper trail of all of this if nothing else. Yikes. : (




Message 12 of 14
susanhannah
Established Member

Re: I need help. I am desperate and don't know what to do.

To the last poster.  You are right. NONE of this makes sense. When I first got divorced and he took money out of the child support (first payment) I thought that he could not get away with it.  One year later, after he took money out of every payment, I took him to court.  Five diays before our hearing, all of my emails mysteriously went missing. My entire network was damaged.  It took two months of research on the part of Comcast to finally (and this took hours of phone calls and letters) for them to tell me that all of my emails were stolen and went to two Verizon wireless phone numbers in Massachusetts.  They said - by that time who knows where they were.  When I got to court, the judge dismissed my case for technicalities.  We never got to even address the child support issue.  Every time we go to court, I feel optimistic to be completely appalled at what he gets away with.  

 

As for your comment about how the bank lets me overdraw.  They don't.  They immediately see the transaction and know it's fraud.  One day I went to the bank machine to check my balance. I had what I knew was in there - $1,200. I went to Walgreens and spent 19.99 and my debit card was declined. Turns out a weird transaction came through.  The fraud department picked it up and two days later my account was fine.  As the police have told me - "its foolish pranks" After 13 of these incidents, I changed banks.  When I refused to give my ex the bank account number he refused to pay me the child support.  His insistence only made me even more suspicious that he is the person doin this.

 

I have had my Verizon passcode changed on me. (I now have fraud proof marker set up with them).  Notice I mentioned Verizon because I left Comcast after the emails went missing. This past June, my emails in my Google account went missing.  I contacted Google and they sent me a letter telling me it appears as though I was compromised but they were able to retrieve my emails. It took about 24 hours to get all of them back but the emails were all returned.

 

We have a hearing this Thursday regarding his violation of all of my weekly visitaions with my son after we got 50-50 custoday sixteen months ago and the child support issue.  He is across the country right now. As I write this, he is texting me to drop the case.  Sure, I will take this to the police but it is not against the law for him to badger me to drop the case.  On the other hand, if i don't he will bring havoc to our son and I will have something "mysterious" happen to me.  Once our son graduates, I plan to leave town but in the meanwhile I am stuck.  My daughter, who my our created a smear campaign against her five years ago and stopped paying her school, dodged the bullet (so to speak) and has not been graced by his horror (other than to watch what happens to me) any longer.

 

As for the credit bureaus - my accountant wrote letters to the credit bureaus and attached police reports.  She also wrote letters to my creditors and several of them shut down my accounts which harms my FICO score.  

 

 

Message 13 of 14
RobertEG
Legendary Contributor

Re: I need help. I am desperate and don't know what to do.

If you include EACH of the required items identified in FCRA 605B, the CRA is then required to block the information from your credit report with no involvment of any onther party.

Below are the requrirements.

Item 1 can be in the form of a copy of any government-issued pictue ID.

Item 2 is the FCRA terminology for a police report.

Item 4 is best sent by use of a standard FTC fraud affidavit, which can be obtained on their web page.

 

"FCRA 605B. Block of information resulting from identity theft

(a)        Block. Except as otherwise provided in this section, a consumer report-ing agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of –

(1)       appropriate proof of the identity of the consumer;

(2)       a copy of an identity theft report;

(3)       the identification of such information by the consumer; and

(4)       a statement by the consumer that the information is not information relating to any transaction by the consumer."

Message 14 of 14
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