Revolving accounts on CR that DH never opened?

[Candice]

Hi all -

DH and I are cleaning up our credit reports. Today, I pulled his from the free annual credit report site.

Under the "Satisfactory Accounts" tab, there are a couple of revolving accounts - they are credit cards - that DH never opened, nor did he know anything about until now.

One is from Capital Credit Alliance, opened in 2003, closed in 2004. Credit limit of $8k - it shows the acct was closed by credit grantor. It has reported with perfect payments for 12 months.

The second one is from CMG Credit. Also shows perfect payments from 12/04 - 7/07, only it lists that the acct was closed by consumer. The credit limit was $7.5k.

There is a third  that is noted as "supressed pending credit grantor update" from Cubis Financial, with a credit limit of $7.5k. Date opened is 11/05, date closed is 9/06, and date paid is 11/05.  This also reflects perfect payment history.

Now, we are not sure how to handle these. DH and I are worried that he has been the victim of identity theft somehow, but confused because the debts all show paid up, etc. He doesn't share the same name or anything as his father, or anyone else in his family.

Any advice on what route to go from here would be greatly appreciated - not sure if we should dispute these as incorrect or not, especially since they appear to show positive payment history? Although leaving them seems kind of morally wrong... Thanks in advance, any advice greatly appreciated

[RobertEG]

Your path of action is simple.

You need to FIRST go to your local police station, and file a police report.  That is the absolute, first step needed to begin any identity theft assertion.

When you file this police report, you can offer evidence, but your assertions are enough to requrie them taking the complaint.. You just sign it, asserting that your allegations were made in good faith.

Get a copy of that police report.

With that police report in hand,  you then progress to putting together what is called an "identity theft report" under FCRA 603(q).

This "identity theft report" will then be filed with each CRA to which the alleged improper reporting was made.

All it really is is a copy of the police report, along with your allegation to the CRA of identity theft, and a statement that you recognize that filing of the identity theft report subjects you to criminal penalties relating to the filing of any knowlingly false information therein.

The last step is filing your assertion of identity theft with each CRA.

This is covered under FCRA 605B.

Suggested letter"

"This is a request, under FCRA 605B, for the immediate block of all information in my credti file of the following accounts, based on my assertions, as supported herein, of identity theft in their reporting:

          (identify the accounts)

"In support of this request is an "identify theft report," meeting all of the requriements of FCRA 603(q).

"Accompanying this request is my proof of my personal identity

          (at least your full name and address, and if you are willing to include it, your SSN)

"I attest that the information identified herein is not information relating to any transaction that I have ever authorized."