Question
Victim of Identity Theft, How do I get the accounts removed from my credit report?
My daughters fiance just got a letter in the mail from a collection agency last week. He is 22 years old and has never had nor has he ever applied for any type of credit. The collection agency says it is for a loan from 2008. I had him go to annualcreditreport.com and get his free credit reports. There are two accounts listed as charge-offs from 2008 (I am having trouble finding out exactly what they are but it appears one is for a credit card and the other must be the loan the collection agency is calling about.) The point is neither one is his. It turns out that his stepmother and his father used his social security number and opened the loans, they admitted it. They also have a combined cable/dsl/phone service in his name and they owe $748. He has went to the sheriffs office and we have a copy of the police report. I also had him file a complaint with the FTC. My question is who do I need to send copies to to have this information removed from his credit file, the credit bureaus, the people reporting or both? Also what do we send copy of the police report and any other information that we have? Thanks to all who answer Yes, he will press charges against both. These people treated him very badly growing up from the age of 14 on, after his mother died. They made him live in a utility shed outside, would not let him live inside of the house with "their children".
3 months ago - 3 answers
Best Answer
Chosen by Asker
Dispute the accounts with the credit bureaus. Indicate ID theft and include a copy of the police report. Send a certified, return receipt to each original creditor and the collection agencies indicating the ID theft. Enclose a copy of the police report. He should also send a certified, return receipt letter to the cable/dsl/phone service indicating the ID theft and insisting that his name be removed from the account. Also enclose a copy of the police report. The young man should be prepared to see his parents go to jail. Otherwise, he will have to bear the bad credit stigma and pay off the debts. Personally, I would swear out a warrant against any relative who stole my ID and trashed my credit. They are the worst kind of thief and deserve punishment.
by bdancer222
3 months ago
Asker's Rating: 
Other Answers
Are you sure want to pursue this? Voiding out the debt liability will probably involving bringing criminal charges against these people. If the fiance's relationship with his parents is horrible anyway...then by all means have them prosecuted and possibly sent to jail. Here is an excellent resource for dealing with identity theft: www ...
by CatDad- 3 months ago
Yes, you need ALL the documentation that you mentioned. You send it to the companies that are listed on the credit reports. Then the companies have thirty days to determine if the debt will be removed. The companies should notify you of what their action would be. I would notify the credit agencies also to have them check on this to. The credit agencies will send an updated credit report if anything was removed.
by nicole- 3 months ago