Identity Theft

[Anonymous]

Does anyone have experience with identyt theft?  Someone opened an account in my name in 2004 with bank of america and now a company called Asset Acceptance is reporting on my credit reports.  I did not authorize this account.  I have filed a police report, sent an affidavit from the Federal Trade Commission with a dispute letter to all 3 credit bureaus.  I have not checked my credit in years and recently understood the importance of monitoring your credit. If anyone has experience with identity theft please share your experience and resolution outcome.

[RobertEG]

What you provided was correct, but filing as a dispute was not the proper process.

If you have a police (identity theft) report, along with an FTC affidavit affirming it was not authorized by you, then you would simply send them to the CRA as a request under FCRA 605B , which requires the CRA to immediately block it from your credit report.   It is not treated as a dispute, and their is no referral to the furnisher, no investigation by them, and no reinestigation by the CRA as a dispute.  It is covered as a CR blocking request under section 605B.

Hopefully, the CRA will properly just implement the block, and not treat under the dispute process.

[09Lexie]

Sorry you are going through this invasion of privacy. Please review this sticky for moreinformation 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect...

[LearningMoreAboutCredit]

---

@09Lexie wrote:

Sorry you are going through this invasion of privacy. Please review this sticky for moreinformation 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect...

---

Very good link Lexie...I wished I had found this before I found all that by searching the net...