Wrong address - notice

I would immediately report this to the collector and attach copies of documents proving that you lived in Georgia during that time. And pulling a copy of your credit report would not be a bad idea. There have been incidents where illegals have made up social security numbers and they have belonged to real people. I know, because I spoke with a customer at the bank I used to work at years ago whom this happened to--and she had proof. I would pull your credit on Monday.

Good advice, sounds like a case of identy theft.

So what kind of letter do I follow up with these people with, is there a template letter somewhere.. because I really dont want them to take me to court and they are bottom feeders CA and they will from what I have read here on the boards

Hi guest, if you suspect it as a case of identity theft; communicate that in writing with the collection agency. The letter should be supported by the documents like ????????the police report (if any) FTC affidavit of identity theft, address proof and document proving the information that the account is closed. And send this letter by the certified mailing service and preserve the receipt for future references.

Pull-out you credit report to check for the fraudulent entries. If this account isn????????t reported to your report, it????????ll further strengthen your claim of identity theft. Many collection agencies have a cell to investigate the cases of identity theft. If they have any such section, try to speak to the fraud investigator/supervisor in the collection agency.

Let us know how it went, we can then discuss about the future steps to handle the situation.

Id theft looks right here.Go to police station & request a Id theft report be filled out.Send a copy to the collector and any credit bureaus that are reporting.Keep a copy with your important papers.

I pulled all three credit reports and this is NOT on them at all and there is no other fradulant activity. The docs they sent, one was a the contract for a car I DID buy and paid off with my signature, SS# and correct address HOWEVER the other doc was a payment log with my name but wrong address, payment info was incorrect (monthly payment wrong and dates)so I dont think it is identity fraud I think it is incompentent record keeping but these bottom feeders have a rep of hauling people into court and I really dont need that in my life. Thanks for all your input so far

this may not be identity theft or bad record keeping--it may well be just plain old fraud.

Think about it--if you paid off, then the documentation on that account would have to show some kind of action on the account. Then, having the other account paperwork with your exact name and SSN? This could be bad records, but it could also really be fraud. This could be a wrongful attempt to get money from you that isnt really owed by any person at all.

Your best bet is to get the ball rolling on your end by submitting to them all the proof of everything you have. To be honest, I dont think I would go with the ID theft report just yet because it looks more to me that they either blended two accounts or made up a ficticious one. Send them proof of your address to show that you never lived in California, but most importantly, send them proof that your account was paid in full with them. Its really hard to argue that an account is still not paid in full when you can send them a copy of their own documentation showing it paid in full, such as a lein release or photocopy of the car's title showing where they released the lein on the vehicle. That would be my first step--and be sure to send it by certified mail, return receipt requested. That way, you know they got it and can prove it. be sure to let us know their response to that. Something else that you can send them is a copy of the originating paperwork--it will show the dates and amount of your payment, as compared to this "other account". Send as much of this documentation as you can---but in my mind the most important one is anything that shows that you paid your loan with them in full. Even if you had to provide them with cancelled check copies for every payment you ever made, that would be worth doing because it is not disputable evidence.