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I am a victim of identity theft years ago. I have companies and CA's coming out of the woodwork. I found stuff on my credit report and sent letters along with my police report, and when companies call, I simply say I am a victim of identity theft, and I can send them the police report, etc, and they are easy to deal with. However, there is one CA that is so difficult to deal with. NCA will not talk to me unless I verify my personal information, which I will not do. I tell them I will provide them with a police report, and then they hang up on me. I am so weary of providing personal details after everything I have been through. I do not even provide my social to my doctor anymore for fear that the paperwork, once scanned, doesn't get shredded. This has been a nightmare. How do I get NCA to talk to me and verify that this debt is mine without providing personal information? I honestly have no idea what this is about and fear this is another mess I have to clean up as a result of identity theft. They have placed an account on my credit report, and I have disputed it and sent the police report to the three credit bureaus. What else can I do to make them verify the account. I don't even know who they are the CA for??
@HeatherDM87 wrote:I am a victim of identity theft years ago. I have companies and CA's coming out of the woodwork. I found stuff on my credit report and sent letters along with my police report, and when companies call, I simply say I am a victim of identity theft, and I can send them the police report, etc, and they are easy to deal with. However, there is one CA that is so difficult to deal with. NCA will not talk to me unless I verify my personal information, which I will not do. I tell them I will provide them with a police report, and then they hang up on me. I am so weary of providing personal details after everything I have been through. I do not even provide my social to my doctor anymore for fear that the paperwork, once scanned, doesn't get shredded. This has been a nightmare. How do I get NCA to talk to me and verify that this debt is mine without providing personal information? I honestly have no idea what this is about and fear this is another mess I have to clean up as a result of identity theft. They have placed an account on my credit report, and I have disputed it and sent the police report to the three credit bureaus. What else can I do to make them verify the account. I don't even know who they are the CA for??
Disputing was the right thing to do.
IMHO the next thing to do is file a complaint against them with the CFPB. https://www.consumerfinance.gov/complaint/