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      03-09-2009, 10:05 PM   #1
Dackz
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Credit Report - FRAUD HELP!! Someone used my social

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.
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      03-09-2009, 10:14 PM   #2
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you're lender is pretty dumb if they can't/won't advise you what to do in situations like these. he/she is probably pushing you off to the side knowing he/she can't sell you anything at the moment.

you're on the right track with the fraud alert. keep calling back the customer service line and i'm sure you'll get someone with in the states but i'm sure that person from india is correct, just file a dispute and let them investigate. it's going to take a while though. try inquiring about making a prepayment just to settle the amount owed. see if you can get that money reimbursed if and when the problem gets resolved. i'm pretty sure they usually just freeze that account while it's being investigated but i could be wrong.
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      03-09-2009, 10:54 PM   #3
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that sucks...crazy how your "debt" and the one in the article are both for $315...like Yogi Bera once said..."it's too much of a coincidence to be a coincidence...."

sorry i don't have better advise
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      03-10-2009, 01:00 AM   #4
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why are u posting this on the forum? u call up ur police station, ask to speak with financial crimes department and u report it to them, they will handle it...forum members cant help you with it lol.

EDIT: DONT pay for it, by paying for it u are taking responisbility and accountability for the items purchased

EDIT: DO try to notify the police about your house situation so they can speed up the process

EDIT: DONT try to get yourself personally involved by calling the guy up, writing letters n shit, keep yourself out of it...thats what your tax dollars are for, so the police can take care of it.

EDIT: and dont worry it all get sorted out..fraudsters alway get caught, always, sooner or later, but nonetheless, always get caught.
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      03-10-2009, 08:34 AM   #5
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Quote:
Originally Posted by bmwmike335 View Post
why are u posting this on the forum? u call up ur police station, ask to speak with financial crimes department and u report it to them, they will handle it...forum members cant help you with it lol.

EDIT: DONT pay for it, by paying for it u are taking responisbility and accountability for the items purchased

EDIT: DO try to notify the police about your house situation so they can speed up the process

EDIT: DONT try to get yourself personally involved by calling the guy up, writing letters n shit, keep yourself out of it...thats what your tax dollars are for, so the police can take care of it.

EDIT: and dont worry it all get sorted out..fraudsters alway get caught, always, sooner or later, but nonetheless, always get caught.

Forum members can't help???? You just did..
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      03-10-2009, 10:28 AM   #6
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Quote:
Originally Posted by ideliver View Post
Forum members can't help???? You just did..
and that is why the OP asked
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      03-10-2009, 11:22 AM   #7
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Lmao what I said there was pretty hypocriticAl. I was trying to say don't exclose any additional info via forums / other public places. Loll. Hold it all gets resolved.
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      03-10-2009, 11:26 AM   #8
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Quote:
Originally Posted by bmwmike335 View Post
Lmao what I said there was pretty hypocriticAl. I was trying to say don't exclose any additional info via forums / other public places. Loll. Hold it all gets resolved.
yeah it does get resolved but unfortunately, it can take a LONG time.
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      03-10-2009, 12:30 PM   #9
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Thanks guys...I think?? LOL

Anyways, I called the 2 credit places that it showed up on and filed a dispute against it, and also contacted the FTC identity theft line to get an affidavit filed against them, and I am going to make copies of that, send that to the place along with the police report, since my Social was stolen, and with all of that it should be resolved, but will take time. Could be 2 months or so. The lender at least can see I have flawless credit without this fraud so that may help me out, she can write a letter to the places or whatever.

Just sucks. I would suggest to anyone to go to one of the big 3, experian, transunion, equifax and print out their thing to get a 7 year fraud alert put on your credit accounts. Then whenever someone goes to open something up, you get a call to the phone number you have provided and they ask if its you opening up the account. Id rather be bothered by that simple mess then the large one I am currently dealing with.
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      03-10-2009, 12:34 PM   #10
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Welcome to the club. I just got rocked last week..
Someone purchased a couple g's worth of shit off of homedepot.com with my debit card..

Keep buggin them, I called home depot almost 13 times before my situation got handled..
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      03-10-2009, 01:32 PM   #11
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this happens to me 7-8 years ago. I filed a dispute with the 3 credit reporting agencies (transunion, equifax, and ?). They did the investigations and took the bad records off my credit report. The other things that I had to do was contact the actual vendors that was trying to collect money from me and give them as much info as possible so they that they are aware of what is going on with that account. The vendors send me a confirmation letter letting me know that they will closeout the account and that i do not need to pay anything since I have proved that I was not the actual account holder and the credit report confirmed it as well.

So bottom line is don't pay for what you did not buy and your lender who pulled your credit report suppose to tell you how to go about clearing your name. Not only that, I love the fact that anytime anyone tried to get a loan under my name, I get a phone call from the loan institution asking if I requested this loan.

Oh, GL.
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