Credit Agencies

Question: How can a credit agency prove you opened a credit card account?

(Posted by: Its me CC on 2009-10-11 18:16:58)

Ok I total lost my car and Im trying to get something else. Car lots check my credit it comes back that my credit is shot. I went on the Transunion website and disputed somethings on my credit report and they deleted some of the items, not all of them. My thing is how can they say they verified the other accounts. Even if the company said I opened the account how can they prove it was me. Someone else may have had all my information and opened up credit cards in my name. How can the company say it was me if I was not face to face with them when I supposedly signed the credit card agreement. Im going to contact the other credit agencies and let them know someone else used my information what else can I do to get them deleted from my credit report. Has anyone had luck with equifax deleting items you claim as identity fraud from your report. Help please, any advice will help.

Posted by: answers smartass on 2009-10-11, 18:25:47

If you are going to claim identity fraud you better be able to prove it with absolutely no doubt. All they have to do is compare signatures from the credit applications to see if youre filing a false report

Posted by: Dan B on 2009-10-11, 18:25:57

To claim identify theft/ fraud, you need to file detailed reports with the police and the Federal Trade Commission (FTC). Since you did not file any reports, the accounts are presumed to be valid. Also, any challenges to your credit profile will fall off, but will be reinstated upon verification usually within 30 days. People who file false identity theft reports will have bigger legal problems than poor credit ratings.