Greetings!
I did my best to search the forums for answers but did not them. So, I'm hoping one (or more) of the experts can help.
Four years ago (October 2014) my wallet, cellphone and laptop were stolen from my office at work. To make matters worse, I was in the the process of buying a home so my computer was filled with copious amounts of financial information/documents.
I called the police, filed a police report and cancelled all my cards (though not before the thief ran up a >$2000 on my cards). All the credit issuers were great and all fraudulent charges were removed. The following months I monitored my reports but there was no activity. So... I stopped paying attention, feeling pretty **bleep** lucky considering the breadth of financial info that was stolen.
Unfortunately, that was not quite it. Several months ago I found out (by way of phone calls from Portfolio Recovery) that two credit cards were opened up in my name several months after the theft (BJ's and Home Depot) and were now in collections. I've read through the "Identity Theft" sticky and many threads so I'm confident I understand the FCRA 605(b) process/requirements but still have a few questions:
- Do I need to file another police report or amendment to the original? The initial police report detailed everything stolen as well as the fraudulent charges but, since it was several years later that I found out about the credit cards, I'm unsure of what to do
- Do i solely deal with the CRAs? Everything I've read in the forums seems to indicate that and I just want to be sure there is nothing I should send to Portfolio Recovery and/or the original creditor
Thank you in advance!
Thank you Kree.
That seems logical.