1 credit report Montana

Let us say that Consumer An is receiving bills 1 credit report Montana for a .00 balance on a department store credit card.

Consumer A never applied for such a card and therefore the debt cannot be his.

He suspects someone stole his identity and 1 credit report Montana opened the account using his social security number and other private information.

After numerous phone calls and letters back and forth, the department store agrees that it is not Consumer As 1 credit report Montana debt after all and tells Consumer A not to worry about it, that theyll take care of it. Naturally, Consumer An is now relieved and assumes that it will be taken care of, i..e., they will stop billing him for the invalid debt and it will be deleted from his credit report.

The account number, by the way let us say it is 1234567890 and that is the way the CRAs are reporting 1 credit report Montana it on Consumer As credit reports. free credit report from 3 bureaus Consumer A notifies the CRAs by certified mail of the situation, along with documentation, and they all delete the previously reported trade line within a month. ]] About four months go by and Consumer An is 1 credit report Montana dismayed to receive in the mail a letter from a Debt Collection Company named Pit Bull. Pit Bull, in its letter, states that it is collecting a debt on behalf of 1 credit report Montana the department store (the same one 1 credit report Montana that earlier told Consumer A not to worry about it, that they would take care of it and delete it fromhis credit report.) Pit Bull shows the debt now as , having tacked on a penalty and a default charge or attorneys fees), but informs Consumer A that, although he owes immediately the full amount of , they will take as a full payment. act credit report

They cant guarantee Consumer A that the department store will reinstate him in good graces vis-à-vis his 1 credit report Montana credit card (the one that was neer his in the first place) but if he pays them the at least they will stop dunning him. The account number on the letter is now 123DEPTSTRE890.

A few months later Pit Bull furnishes the account 1234567890 as 123DEPTSTRE890 to the CRAs, showing the account as a charge off, amount , and a note that the trade line will be reported for the next seven years! He calls the department store and reiterates his story that the department store had earlier investigated, agreed with him that he did not owe the debt and that they would take care of it for him.

These words come back to haunt Consumer An as the representative now tells him that they are sorry, the account is now with collections, and that they cannot interfere as it is now out of their hands. Consumer An also tries to clarify the situation with Pit Bull but, other than being cursed at and told to pay the damn bill, he gets nowhere. view online credit report He disputes with the CRAs with certified letters, giving a full account of the situation and a statement that he categorically does not, and never did, owe the debt. Two of the three CRAs shortly thereafter delete the trade line from Consumer As report, 1 credit report Montana but one of them does not.