I believe that I'm a victim of Identity theft and the worse part about it is, I think I know who uses my identity to obtain a credit card in my name....
Back in May 2001, I left the U.S. for a period of 6 months. Prior to leaving, I forwarded all my mails over to a good friend of mine's house, told her to put my letters away for me and when I get back to the U.S. I will collect them, she agreed.
I came back after the 6 months and all my credit card statments were out of the envelopes, well highlighted with how much I owe etc. So evidently she opened my mail. I let that pass, didn't make a big scene out of it or anything. I know by me leaving I wasn't current with making any cc pmts so i knew that all this info would be on my credit report.
Now 5 Yrs later, I'm married have a little girl and is expecting another one. I decided that now is the time for me to clean up my credit and try to get a home for my new family. After going over my credit report, I saw one credit card by premier bank, knowing full blown that I've never opened an account with them. I called the collection Agency yesterday who was reporting this on my report and ask about the debt. Rep told me this account was opened back in Aug 2001. Immediately that put up a red flag, I told the rep that i wasn't even in the U.S. in aug 2001, so i started asking for more info, such as the address used to obtain this credit card etc. said i needed to send a letter to request all that info, because she was limited on what information she can give me.
My question is, would I need to send out a validation letter to the CA? or just write a regular letter asking for specific information? I was thinking of sending a copy of the letter to the original creditor as well. I would also like to press charges against this so-called friend of mine, should i do that before getting the info from the CA and original creditor? I'm even thinking of taking this up in a small claims court. Any informatin you guys can offer will be greatly appreciated.
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