Credit rating Utica

Let us say that Consumer An is receiving bills for a .00 balance on a department store credit card.

Consumer A never applied for credit rating Utica such a card and therefore credit rating Utica the debt cannot be his.

He suspects someone stole his identity and opened the account using his social security number credit rating Utica and other private information. After numerous phone calls and letters back and forth, the department store agrees that it is not Consumer As debt after all and tells Consumer A not to worry about it, that theyll take care of it. Naturally, Consumer An is now relieved and assumes that it will be taken care of, i..e., they will stop billing him for the invalid debt and it will be deleted from his credit report. The account number, by the way let us say it is 1234567890 and that is the way the CRAs are reporting it on Consumer As credit reports. Consumer A notifies the CRAs by certified mail of the situation, along with documentation, and they all delete the previously reported trade line within credit rating Utica a month. fair credit report ]] About four months go by and Consumer An is dismayed to credit rating Utica receive in the mail a letter from a Debt Collection Company named Pit Bull. Pit Bull, in its letter, states credit rating Utica that it is collecting a debt on behalf of the department store (the same one that earlier told Consumer A not credit rating Utica to worry about it, that they would take care of it and delete it fromhis credit report.) Pit Bull shows the debt now as , having tacked on a penalty and a default charge or attorneys fees), but informs Consumer A that, although he owes immediately credit rating Utica the full amount of , they will take as a full credit rating Utica payment. free credit reports by law They cant guarantee Consumer A that the department store will reinstate him in good graces vis-à-vis his credit card (the one that was neer his in the first place) but if he pays them the credit rating Utica at least they will stop dunning him. The account number on the letter is now 123DEPTSTRE890. A few months later Pit Bull furnishes the account 1234567890 as 123DEPTSTRE890 to the CRAs, showing the account as a charge off, amount , and a note that the trade line will be reported for the next seven years! He calls the department store and reiterates his story that the department store had earlier investigated, agreed credit rating Utica with him that he did not owe the debt and that they would take care of it for him.

These words come back to haunt Consumer An as the representative now tells him that they are sorry, the account is now with collections, and that they cannot interfere as it is now out of their hands.

Consumer An also tries to credit rating Utica clarify the situation with Pit Bull but, other than being cursed at and told to pay the damn bill, he gets nowhere. free credit report gov He disputes with credit rating Utica the CRAs with certified letters, credit rating Utica giving a full account of credit rating Utica the situation and a statement credit rating Utica that he categorically does not, and never did, owe the debt.