EQ changed name, DOB, address from fraudulent app and approved line of credit. Why no red flags?

[Anonymous]

It really is a shame that anyone has to go through this. I have seen it happen to both woman and men after relationships fail. The worse part about it is the kids are always thrown in the middle and it makes for rough decisions. At least 90% of people in these situations never do anything to protect themselves afterwards even knowing 100% sure it was the ex who did it. 

I really do feel for anyone who has had to deal with this as it never is easy. Always afraid the kids will turn against them. Being a parent is not an easy job. Hope things work out for you. 

[Anonymous]

Cape Codder,

You need to file that police report NOW!!!! And if your daughter asks, then sit her down and explain to her what is going on without bashing your ex. She will learn a very good lesson through this ordeal. As was mentioned, your ex does not need to know that you even made the report. If your ex does this again then have the police file it with the DA and prosecute him. He is taking all of your power. Be strong and do what's right. He is HURTING you, financially, and in the eyes of your child. One thing will surely happen, your daughter will grow up and she will see how strong you have been through this. You are her role model, don't let her see you being pushed around by your ex. 

Off my soap box now.

[CapeCodder]

Thank you SO very much Sommery, JM-AM and Cavtrooper!!

I can't thank you all enough for your support and letting me "cyber" cry on your shoulder

I received response from EQ and I'm not happy...I will start by telling all of you that I just got back from the police station and filed a police report!! I'm really upset and I'm trying to calm myself down.  I live in a small town and I have to wait a few days until the detective can look at my report and give it a case number.  I can't do anything until I get a case number.

EQ has removed my ex's name from my credit report but has not removed the number 2 (for Jr.) from my name.  They removed the address he used which is an address I've never lived at.  They have NOT changed my birthdate and are still reporting his.  I've faxed 2 copies of my driver's license to EQ but still no change.  Will call them tomorrow.  In regards to the FRAUDULENT account my ex opened under my SSN, EQ states the following..."Equifax verified this item belongs to you.  Additional information has been provided from the original source regarding this item.  If you have additional questions about this item please contact:  Gemb/Paypal DC, PO Box 981400, El Paso TX 79998"

I'm more peeved than I can express to all of you at this moment.  I called GE Money Bank when I first found about about the fraud acct in 10/10 when I tried to get pre-qualified for a mortgage.  I was honest and upfront.  I gave them MY name, MY address, MY DOB, and my SSN.  They wouldn't talk to me at all, wouldn't even search for the account number (I only had partial # from the mortgage guy) without my SSN.  They used this information against me, changed the account to reflect my information and now say they are reporting to EQ correctly!

Both EQ and GEMB will be getting calls from me tomorrow.  I can't do much without the police report case #.  I'm angry, drained, tired of not being believed when telling the truth and being trusting, and basically want to go cry in a pillow all night, LOL!

THANK YOU to all of you that have read my saga and gave me the guts to go down to the police station.  Your words were going through my head as I was driving down there and I thought about my daughter and teaching her right from wrong.  I'm emotional right now, feeling strong for sticking up for myself but VERY upset at GEMB and EQ for not believing me, cementing the lie with my correct information, and leaving me to clean up this mess!  I feel SO bad for those whose identities are stolen! This was my ex and he did damage but with persistence I will clean it up.  I can't imagine the nightmare a stranger can do when they get your information and run up enormous sums of money in theft! What a mess to repair!

I will keep you posted!!

[Anonymous]

Thats why we are all here, to listen, hopefully can help in some way through experiences or others experiences, and most importantly to give support to one another when needed.

Good Luck

[Anonymous]

Go ahead and be furious and cry all you want.  Scream into your pillow (it won't mind).   It will help to get it out.  THEN you can take a deep breath, square your shoulders, and continue the fight.  It's frustrating to keep running into brick walls, but you are doing what you need to do to straighten this out and you will eventually talk to the right person who CAN and WILL help you.  We're all with you!  Keep us updated.

[CapeCodder]

Thanks JM-AM and Susan!!

I've raised my EQ FICO 63 points to 621 in the last month and once this GEMB/Paypal issue gets fixed, I hope my scores will be high enough to pre-qual for a mortgage and put this mess behind me....Lesson learned

[Anonymous]

Congrats to the progress.

Hope everything works out okay, keep us updated.

Good Luck

[IOBA]

Um, a suggestion with the cc.

Now that it's reporting under your name and your ss correctly, call up the cc and say it was stolen!  Have them issue a new card to you at YOUR house and cancel the previous card.  

[CapeCodder]

Hi IOBA!

Thanks for your suggestion but, honestly, I want NOTHING to do with this horrible company!  I will NEVER do business with GE Money Bank/ PayPal MC.  If they had done an ounce of their homework verifying the identity of the person opening the account, it never would have been opened.

[CapeCodder]

Update to my nightmare!!

I pulled my EXPERIAN credit report to see if a different issue I was disputing was cleared up.  I was horrified to find that the GEMB/PAYPAL account that was only reporting to Equifax is now there too!!  I'm guessing that TU is probably reporting it now as well!!

I just spent an hour on the phone with GE Money Bank and they are telling me that I have to send a letter in writing to a PO Box in El Paso Texas! I ask for the Account number they have on file and they say they cannot divulge that information because it is an internal account number.  I give them the partial account number on my credit report and they cannot confirm or deny that is the number.  I tell them that I need some kind of identifier or number and he tells me to put my Social Security number on the letter.  I say NO WAY! I've been through enough FRAUD! I'm not putting down my Social Security number and mailing it to 'who knows where' so 'who knows who' can open it. This is such a mess and it's getting messier by the minute! If a letter was needed to clear this up, then why didn't they tell me that a month ago when I originally called?  I'm beyond frustrated...I did let the guy on the phone have it though....oops!  I asked to speak with his supervisor and he wouldn't forward me...he said his supervisor would say the same thing...when I pressed he said the supervisor's office was closed.

I told them that THEY approved this charge without MY signature, or MY correct birthdate, or MY correct address, or MY correct name either by mail or online because I obviously wasn't there.  THEY are the ones that erred and they are looking to me to put in writing what happened to get this account wiped off my report.  Why is the onus on me?  The whole 'put it in writing' saga will drag this out another couple months!! My credit score is tanking by the minute as I'm working SO hard to build it back up!

Sorry for the rant...venting to you guys so I don't have a coronary over here....aaargh...Well, I can kiss my house goodbye for another 6 months!!!