Validation on Possibly Fraudulent Account
You would have to DV them again stating the info they sent is in
You would have to DV them again stating the info they sent is insufficient. Don't give them any of your personal info other than what they already know. You will have to stay on top of them and catch them in violations of the fdcpa and the FCRA probably to make this go away. I really doubt you are responsible for any of this though unless you signed that contract also but make them show it.
Thanks for that input. I have another GE Moneybank account that
Thanks for that input. I have another GE Moneybank account that is legit, so they probably have my information. However, with the misspelling in my name, I'm not sure if they know it!!
Fair Credit Reporting Act? What is fdcpa?
Fair Debt Collection Practices Act. http://www.debtconsolidat
Fair Debt Collection Practices Act.
http://www.debtconsolidationcare.com/collection-agencies/state-sol.html
FDCPA Does Not Apply To Original Creditors
If they have your new address, send them a dispute letter indicating that the account is not yours. Ask for the original loan application. If they cannot provide it you can file a "declaratory action" is state court asking a court to determine your rights.
For Id theft,the best method is to file an Id theft police repor
For Id theft,the best method is to file an Id theft police report & forward a copy to the creditor/collector & all credit bureaus.