There are 2 issues here if I read correctly :
- credit reporting. With the affadavits , should be able to get accounts removed from reports.
- OP paid to satisfy charges that weren't his. Who will refund is money ? He would have to find individual who made charges and sue them. Creditor will not pay OP back. That's the way I see it.
Thanks for reading.
I moved across the country and was being a caregiver for a relative. So before I left I paid down my credit card balance in full around end 2013. I didn’t have any charges after and I didn’t have any statements that were at my disposal. In 2018 I went to purchase a home and there is a charged-off account for $2,150. The mortgage lender said that if that account was settled I could move forward I called to try to settle/ figure out what the debt was. No luck only routed to collections agents. I called and requested statements tried to log in and get statements no luck. I didn't get a mortgage and I did not get any clarification of the charge off either.
In 2019 I decided to just settle the debt for half so I could get a loan to purchase a home. I was able to finally get in touch with the right people in the executive offices of the credit lender via reading this forum ect ect. It took a complaint with state attorney general and consumer finance protection.
So fast forward to now I finally received statements to go through and confirm they are not mine and have been informed they will send me a written response in 10 to 15 with there finding/ response.
Let me know if the details are good or if I need to elaborate in more areas please.
From my understanding, the account you refer to was a valid account in your name that in your opinion you had paid to 0 balance in 2013 and made no other charges after having done so.
Then come 2018, while reviewing your credit, you find that this same account is now charged off with a balance of $2xxx.
It has taken you some time but you have finally gotten ahold of statements related to these charges from the creditor and you have found that the charges are fraudelent, transactions that you did not make rather someone else has made them that did not have your permission to do so.
What is unclear is whether you have actually paid someone to settle this account or if the account is still pending.
What actions to take to clear the negatives from it from each CRA is somewhat dependent on the current status of the account and whether it has already been settled by you.