1 legal question has been posted about banking law by real users in Arizona. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include commercial banking, consumer banking, and mortgages. All topics and other states can be accessed in the dropdowns below.
I would initiate a written dispute to the company so you can show a paper trail of your disputes. If the account is with a collection agency, you should be able to request a "validation package" from the collection agency where they send supposed documentation to "prove the debt." You'll likely want to also consult a consumer protection attorney that can advise you on various rights related ot the Fair Debt Collection Practices Act ("FDCPA") to explore the possibility if the collection agency is violating that law (or some other law) in some way.
You'll want to complete a police report as well as a FTC Fraud Affidavit detailing that this account is not yours.
You'll also want to see if this fraudulent account is reporting on your credit reports. You should be able to access your Experian, Equifax, and Trans Union credit reports once per year for free. You'll want to see if that account (or any other fraudulent accounts) are reporting on any of the credit reports. If there are fraudulent accounts, you'll want to provide written disputes to each of the credit reporting agencies, along with any supporting documentation you have (police report, FTC fraud affidavit, etc.), detailing that this account, along with any other fraudulent account is not yours.
May consumer protection attorneys that practice under the FDCPA and the Fair Credit Reporting Act ("FCRA") offer free consultations and it might be good to contact an attorney!...
Read More
I would initiate a written dispute to the company so you can show a paper trail of your disputes. If the account is with a collection agency, you...
Read More
