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Personal Finances / Credit Cards and Consumer Debt
|Subject: Fraud on Credit Report||Date: 11/11/2007 10:01 PM|
|Author: MargaretHoulihan||Number: 263902 of 309666|
Hi board, long time lurker, first time caller.
I just found out that there is an item on my credit report (with all three agencies) stating that I had an account sent to collections. I had no such account. It's with DirecTV related to a service address in Sacramento (where I do not live).
18 months ago, two charges appeared on my bank statement that were not mine. I called the companies, they investigated and credited me the money. It was clear that someone had used my name (although misspelled) and bank account number. I closed that bank account and opened another (with the same bank).
I assume that the DirecTV account is related, but perhaps not. They state that they sent me notification in 6/07 (to the Sacramento address where I do not live) and that it showed up on my credit report on 9/07. I need to get it taken off asap.
I called DirecTV fraud and they said they will investigate, send me a letter in two weeks, and contact the credit reporting agencies to have the item removed if appropriate. Great, right? Almost.
I'm trying to buy a home and need my sterling credit rating back. Now. My mortgage broker told me to go ahead and write to the credit reporting agencies to dispute the item and not just wait for DirecTV to act.
So, this is likely the dumbe