Asset Acceptance Fraudulent
Date: Thu, 01/19/2012 - 14:23
Now realizing we were probably dealing with fraud and identity theft we called Asset Acceptance who informed us of two things: 1) We would have to send them a police report before they would remove the negative account and 2) The Direct Energy account was listed at being at the address of a apartment complex my husband had lived in, however the account was opened a year after he had moved out (it's such a bad complex that someone in the leasing office could have stole his info for all we know).
So my husband filed a police report and today we sent out copies of it to Asset Acceptance and the 3 bureaus along with letters asking the account be removed by certified mail.
However, I started looking around at the complaints about Asset Acceptance and from its reputation I am now doubting that sending them the police report will resolve this matter.
So, my question is: What would be our next step if Asset Acceptance continues to refuse to remove this fraudulent account?
hiiya, and welcome! OK, the best thing you can do right now is
hiiya, and welcome!
OK, the best thing you can do right now is get documentation that leaves no doubt whatsoever that this account cannot possibly be your husband's. What I would do is go to the apartment complex and request a written statement showing when he moved in and when he moved out. The dates will be plenty good enough to show that he was not even a resident there when this account supposedly was originated. Then, keep the original letter, and send a copy of the letter to this debt collector via certified mail, return receipt requested. Include with that copy of their letter a letter of your own. I would say something along these lines:
Quote:
To Whom it May Concern: I am writing you with regard to your entry on my three credit reports. You have placed a negative account on my credit reports, with the original creditor listed as Direct Energy. As you have reported, this account carries the account number __________. The entry shows that this account originated on _______. Please find enclosed a copy of a letter from the apartment complex where this account is supposed to have been originated. According to your entry on my credit reports, this account was originated a full year after I no longer even lived at this address. Clearly, this is a case of fraud as I have already stated to your company. I have filed the police report that you required and forwarded a copy of this report on to you; however, as of yet nothing has been done to remove this account from my credit reports. This letter shall serve as your final notice to remove any and all entries from my credit reports concerning this obviously fraudulent account. These entries must be removed from my credit reports within 15 days of the date of receipt of this letter. Should you choose not to remove what is obviously a fraudulent account from my credit files, I will not hesitate to use all remedies available to me, including litigation if need be. Your actions constitute a willful violation of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act/FACTA. Respectfully, |
Thats a basic idea. if you have further questions, feel free to message me.
(name)
Try collecting all the
Try collecting all the relevant paperwork to prove that the fraudulent account is yours. You can take the help of an attorney and take steps to gather enough evidence proving when he moved in and moved out.