So I was getting my credit report pulled from a lender today applying for a home loan and my report came back with a debt from a collection agency.
Apparently someone had my name and social and got a payday loan for $315 from a place in So Cal, used a fake address and phone # (the number they put down goes to Sony/Columbia pictures!!) and now I have the shit on my credit. Whats worse is the collections were sent to the fake address so I had no way of knowing except for having the credit pulled. They put the money in a Citibank account which my name is not on nor have I ever had anytthing to do with them. Its also on my report that I lived at that fake address, but I have never even BEEN to that part of So Cal. SOOO sucks, lowered my credit by 150 points. I went from 800 to 650. NOT good.
Can anyone suggest what I can do to fix this? I got a 90-day fraud alert on my Transunion and they are apparently supposed to get that to the other places as well, I have filed a police report to have it on record that I am disputing this. I called the collection place and they basically said pay it or else. I think its a scam. I found this website that calls out the place coming after me.
http://marauderexposed.com/index.html
Then, on this page
http://marauderexposed.com/mail.html the first letter describes exactly what has happend, minus the IRS part.
Can anyone help me? My lender had no clue and the people in India that I talked to on the phone for support at transunion didnt offer much advice except they put on to file a dispute.
I appreciate the help. Talk about something that wakes ya up to the security of your private info. I have NO idea how this could have even happend. I just want this fixed so I can get a low ass rate on my house.