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Hello fellow members
i come here to seek for advice
through divorce process and getting my beloning i had found credit card under my name still in envelope and un-used
which brings me back to a dispute that got rejected by first premier back in 2015
by disputing i had received a letter showing my ex-spouse as autherized user
i had never signed or agreed and never had an account knowlglly with first premier establishment
through the disput eprocess i filed a report with identifytheft.gov and had sent it to first premier
they are still rejecting my claims saying the account was paid for several months but then ceased payments
these supposbily payments were never made from an account that belongs to me
how cuold i dispute this and have this removed from my credit report
thanks in advance
if that would be the last resort i would for sure
but i am hesitant as it still ex-spouse ( sentimental i guess ).
but if this is the best resort that what i will do.
also wouldent that block my whole crdit file
this could become an issue as iam trying to get eligable for mortage
thanks in advance
While I can understand the sentimental feelings, I've got to ask did he consider that when he fraudulently opened a name in your account and then left you hanging with the bill and bad credit? Just sayin.
If you want it off your report, you need to be proactive. Are you sure this is the only account this happened with??
no there were many all of them closed ...
wells fargo , chase , premie rbank and still in dispute with recent direct tv
the only ones who refuses to aknowledge are direct tv and premier
i did put my credit on security freeze 3 months every time about twice a year
all of them are old and i had no documentation for that as one call to their fraud team
would solve it.
never suspected fraud was going under my eyes.
@Anonymous wrote:if that would be the last resort i would for sure
but i am hesitant as it still ex-spouse ( sentimental i guess ).
but if this is the best resort that what i will do.
The number one reason people don't report fraud is because it was a family member who did it to them. They knowingly and willingly did this to you.
When I was with USBank/Elan the policy was essentially that "it's not fraudulent if you're not willing to file a police report against them".
Anyone can simply assert identity theft or "account not mine."
Congress chose to use the standard that an assertion will be sufficient to block information from your credit report provided it is backed up by a sworn statement before a law enforcement agency that imposes criminal liability for knowingly false statements. See FCRA 605B and the related definition of an identity theft report as provided under FCRA 603(q)(4).
You can choose to simply try to persuade a creditor to delete based on your stattement to them, but they are not required to delete if they have information upon which to reasonably conclude that you are the responsible party. To avoid any involvement of the creditor in the process, the price you must pay is a sworn statement before a law enforcement agency, as set forth under FCRA 605B and 603(q)(4).