Heres my story and hopefully someone can help and answer a few of my questions(which are at the bottom if you dont want to read the boring stuff :P ):
Back in 2004 my wallet was stolen out of my car at this repair shop i dropped it off at. I stupidly used to leave my wallet in my glove compartment back then. Well that day, i took out my wallet, because my brother was supposed to drop off the car, but for some reason i ended up going and out of habit i put my wallet back in the glove compartment without thinking. My parents got the car back that afternoon, but i didnt notice my wallet was gone till the next day when i had gone out to stop for a bite to eat. That Monday i called in my info stolen had a whole mess with BoA im still trying to fix.
The thing is, i tried pulling my credit report 3/12/08 and could only gain access to TransUnion. On there some address showed up as a previous adress and a Verizon account thats in collections. I also saw that whoever had my info was trying to get credit cards and cell phones in my name.
When this first happened I called the auto shop and they stated they couldnt do anything because its not their fault i left my wallet in my car. I tried to file a police report, the clerk i spoke to stated the police could do nothing because the shop had a sign stating they were not responsible for stolen property. So they cant be held liable for anything, its my fault. Which is true, but is that right? A mechanic has no right to look in my glove compartment while hes fixing my car.
- - Can i still file a police report after 4 years if these people are still trying to use my information?
- - I've filed ID theft affidavits and sent them to the CRAs and the companys where the fraud took place, but its still on my credit report, what else can i do?
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