I usually just read the threads here but now I need your help with this...

[Anonymous]

Does anyone recommend calling TMOBILE directly and attempt to get this fixed? 

[Anonymous]

Sure, you can contact any of the OC directly and ask if they have an account in your name, under your SSN, etc.

If they don't see if they will send you a letter.

Is it a CA reporting?

[Anonymous]

Yes it is The Collection Agency is Midland Funding. I figured I can dispute this on the phone directly with TMOBILE and have them fix it but there will be no paper trail of any agreeement made if they decide to go ahead with "deleting" it.

[Anonymous]

They cannot delete the CA reporting.

What needs to happen is they say you have never had an account with them before and that needs to go to the CA.  It would be better for the OC to send it but if you have to, I would.

I would not dispute it.  They will turn around and put a dispute comment on your CR which can cause other issues.

If it is not your account you still may need to do the fraud affidavit and police report.  Verizon is hard to work with at times and no telling what they may require.

[Anonymous]

I just went ahead and filed a police report online with the Orange County Sheriff Dept and also printed the form you guys provided to send out. Now, do I send this to the Bureau, collection agency or TMobile themselves?

[Anonymous]

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@Anonymous wrote:

I just went ahead and filed a police report online with the Orange County Sheriff Dept and also printed the form you guys provided to send out. Now, do I send this to the Bureau, collection agency or TMobile themselves?

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Send them to the CRA along with, proof of your identity and a statement asserting that you never authorized any such account or transactions.

Send the same forms to the CA and T Mobile also.

[Lasardo]

You are on exactly the right tract, getting the ccrds as an AU and a secured card will boost your score within 6 months that is if you actually USE THEM.. Don't let them sit, use for gas or a small purchase and pay it off at the end of the month.
Just for reference: started 12/11 at 554 went to 728 by 12/12 and I actually close on my first house Monday!
Yup yup
Also: please look into "Credit Builder" accounts on this website, I've outlined what it is exactly on another post. This has been my saving grace. It gave me my down payment while building credit. Good luck!

[Anonymous]

WOWWWW!!!! That is awesome!!! Congratulations! that is one of my all time dreams... to own a home!

[Anonymous]

QUICK UPDATE:

Just received a call from TMOBILE's Corporate Offices stating that they have received my complaint with the BBB and they are so sorry that this happened () They asked to fax them the police report I filed along with the FTC report as well. The lady seemed very nice and assured me that they were going to have their Risk Management team look into it and maybe....MAYBE buy back the account from Midland to have it GONE!

:::fingers crossed:::