How do you prove Identity Fraud to all 3 Credit Reporting Agencies?
There are a couple of things on my credit report that say I owe someone for rent in 2003 in another state that I didn't live in at the time. The collection agency has my social # but say that I have to prove that I was not living there. Now there is suspicious address being reported on one of my Credit Reports as my Current Address. How do I go about fixing this? And is it hard?
One way of proving you werent living there is come up with proof of residence that says otherwise. For instance if you are renting have that person write you something noterized stating that you have lived there at such n such place for this amount of time. Also, attendance records from your job so you can say i lived here and went to work here… how could i possibly be over there? If you really didnt do anything.. the law is structured where you can prove you were defrauded. You may also have to file a police report at some time staing that your indentity was used in a ill manner. Best of luck to you…
call equifax, transunion, and the other credit company and tell them as if they see living in 1 state they will know what is going. Those credit bureau's have a history of your entire background from your employment, to where you worked and what credit cards you have. They can look that up and see that you didn't live anywhere else. Also ask for a free credit report from transunion. Send a copy of that to the collection agency and it will show them your entire history. Just follow the steps I gave you and it should work out.
References :
Get the contract signed by "yourself" and hire an expert to certify in written the signature is not yours.
References :
One way of proving you werent living there is come up with proof of residence that says otherwise. For instance if you are renting have that person write you something noterized stating that you have lived there at such n such place for this amount of time. Also, attendance records from your job so you can say i lived here and went to work here… how could i possibly be over there? If you really didnt do anything.. the law is structured where you can prove you were defrauded. You may also have to file a police report at some time staing that your indentity was used in a ill manner. Best of luck to you…
References :
Go to the police and file a police report or get an identity theft affadavit from the federal trade commission website. Make copies and forward them to the credit reporting agencies. Include your disputes, and make note that the address reporting is the fraudulent one. The companies will block the fraudulent accounts and the fraud address from your credit file.
References :
Work for a credit reporting agency