Sears/Citibank credit card from 06, showing bal date of 8/2010??
Date: Wed, 08/18/2010 - 22:49
Okay guys, here's the deal, pulled up a cr this evening my buddy, after reviewing what all was on there, a negative account for him sparked our interest.
Sears/citibank account from 2006, Opened April 2006, showing collection equifax with a bal of 850.00, Transunion-not even reporting it!, Experian with a bal of 1462.00, says its in collection, and charge off....Experian says balance date 8/2010. This same month, last week matter of fact, my buddy got a bank loan, bank didnt mention it when they signed the paperwork...odd, they mentioned everything else, all past accounts, good payments...etc...
he never had the account, never had the card, never recieved anything from the company or any CA about this account....has a high fico score....this was way outta left field when you look at his credit history...
my question is, how do i prep a letter for debt validation to the OC? I mean, do i say something to the effect, pulled credit report, this is on there, please validate including complete account charges? (the account says collections, but only lists the OC's info and address....) and payment history and what kind of pyment? (check, debit card, etc)
he runs his credit report yearly sometimes 2 per year...this has never shown up on any previous reports (he has copies of past reports)...why? And why is Transunion not even showing this account? that seems really odd...
Balance date to me looks like a payment made? Or am I misunderstanding this?? Could it be the reporting date?
[RIGHT]Date Opened: [/RIGHT]
04/2006 04/2006 [RIGHT]Balance Date: [/RIGHT]
08/2010 10/2007
can anyone help me figure this out? I kinda think it's fraud or identity theft, but why would it now show on previous reports???
:confused:
I think you might be right. It could be fraud or simple misrepo
I think you might be right. It could be fraud or simple misreported error. Does he have a common name?
I would send a DV to the OC and/or CA. I'd also dispute it on the reports.
sent a DV to the OC and to all CRA's...now it's the waiting game
sent a DV to the OC and to all CRA's...now it's the waiting game....odd that after this many years of pulling credit reports, it never showed until now. I hope it's a simple mistake by a reporting agency and gets handled quickly, however...being that his mom is notorious for getting cards in his name with his sister listed as his wife (no, I'm not kidding at all) it could be that as well.
I'll will let ya'll know what I find out.
=) Thank you!
okay my friends...this is what I got back from Sears/Citibank...
okay my friends...this is what I got back from Sears/Citibank....
In order to remove this debt from your credit report and our offices, we will need your social security number, please provide in the space below and we will remove the debt.
No kidding!! that is what they sent, no info about the account, nothing!!! They want a SSN? are ya kidding? they put it on my friends CR...they had his SSN in order to do that.....Grrr....silly rabbit, trix are for kids!!!!
I think a meaner certified letter number 2 is on order....