theft id

[quote=mtam]I receive by mail a month ago in my sisters appartment a letter from LLC Asset Acceptance
They tell me that I owe USD.10000 from a city bank account , that I never had.
I am very worried about theft identification. I live overseas 5 years ago.
I do not what to do
Please help me[/quote]

asset acceptance llc is part of a growing list of bad debt buyers who IMO are the scum of the earth :evil:. In other words, they purchase supposed bad debts from other collection agencies. I have had similar dealings with AA and I have found them to be unscrupulous. The supposed debt was non-existant, but they wrote a series of letters demanding payment on it. You will need to write them (like I did) and demand they cease all collection activities. You will also need to threaten legal action if they enter this false information on your credit report (like they did mine). Also, you should alert the 3 major credit reporting agencies. Even though I did all of this, this erroneous information still ended up on two of the three agencies. Fortunately, I was able to have most of it removed. Good luck!

HI mtam

If any letter or call comes from them which disturb you, please send a written notice to them stating that you are not interested in communicating with them. If they wish to contact you regarding any debt recovery which needs to be validated first, then they should fix an appointment with your attorney.

I hope that they will stop any sort of communication from the moment they receive your written notice. If still they continue, then you have the right to file a case against them and penalize them up to a maximum amount of $1000.

Please go through this page to know the fdcpa laws:
http://www.debtconsolidationcare.com/fdcpa.html

Please let us know about your positive move and the result of it.

Thanks
Roxette

You need to contact Experian Equifax and TransUnion to activate a fraud alert on your credit report, forward them an ID Theft Affidavit that can be located at www.ftc.gov (bottom left is the ID Theft link). Once you forward a copy of this to the credit reporting agency dispute also with them that you want this item removed, that it is not your account.

You need to also file a police report and provide the police department with a copy of the ID Theft affidavid (make sure to noterize all copies you send). Then obtain a police report (credit reporting agency will need a copy of the police report also).

Then contact the creditor and collection agency to get the address for their fraud department, and forward them a copy of the police report and the ID Theft Affidavit.

Send every thing certified, return receipt requested.

[quote=mtam]I receive by mail a month ago in my sisters appartment a letter from LLC Asset Acceptance
They tell me that I owe USD.10000 from a city bank account , that I never had.
I am very worried about theft identification. I live overseas 5 years ago.
I do not what to do
Please help me[/quote]

You are right to immediately assume identity theft. we have to all be on guard about this threat. Especially in your situation when this supposed debt occurred under suspicious circumstances. Since you were overseas, I don't know how this debt could have accumulated.

Just be sure that the mistake is not on your part, Check to see that you have cleared all of your credit accounts prior to leaving the country. One possible honest mistake could be the fact that Citibank could have merged with a company with which you had a credit account with. I believe that Citibank did merge with a another credit company within the past 5 years so you should look into that.

If the mistake is not on your part, then you should contact the credit company to discover what this debt pertains to. Find out all of the details. If this credit was for a purchase of something that you don't have possession of, then that should be the first indicator that you are a victim of identity theft. At that point, you should contact your credit bureaus, your credit companies, and the necessary authorities in order to rectify your situation.

There are tons of Identity Theft incidents in the US now.

[color=red][size=2][Link made inactive as per forum rules-Mike][/size][/color]

Hi all,

We need to protect ourselves from becoming victims of identity theft. We can prevent ourselves by following some tips which will be helpful to us in the long run.

We should always guard our social security number and monitor our credit report. It ensures a lot of protection in the long run.

A monitoring service such as the privacy guard will always alert us whenever someone is applying for credit in our name or is checking for credit history. It helps to make ourselves alert well in advance.

If possible, we should shred old receipts, credit applications, bank records, and any other personal information before we discard them.

Please keep your active involvement in the forums and interact with our community members.

Regards
Roxette