Yup, I got thefted.
Basically, Ive got dings from 2 accounts on all three agencies. One with a balance of ~1200, and the other ~3800. Account A (~1200) has one hit on all three agencies. Because of timing between agencies (Reported in different months) the balance changes. Account B (~3800) has 2 hits with Equifax (one has a balance, the other is null), 2 hits with Experian (same, balance matches), and 2 hits with Trans Union (ditto).
I called the company associated with Account A. The account is open with ALL of my info. First clue it was ID theft and not a reporting mistake. Filled a claim with them, and now I wait for the run around in the mail.
Still need to call Account B (too late after all this other shit). However, I did receive 2 pieces of mail about this (these) account 2 or 3 months ago. I kept it because its from a store I shop at, but have never had any type of account with. The letters talk about account holder benefits. Both the same, accept for an account number. That explains the 2 hits with each agency. Tomorrow, I plan to call them and go through the same steps as I did with Account A.
Also, plan to go through the online dispute process with all 3 agencies. Because doing it over the phone would take an act of god to accomplish in a day.
What other steps would you recommend for me to take while Im going through this? All I can do at this point is work to clear my credit. The dings are already there for me to disprove.
Basically, Ive got dings from 2 accounts on all three agencies. One with a balance of ~1200, and the other ~3800. Account A (~1200) has one hit on all three agencies. Because of timing between agencies (Reported in different months) the balance changes. Account B (~3800) has 2 hits with Equifax (one has a balance, the other is null), 2 hits with Experian (same, balance matches), and 2 hits with Trans Union (ditto).
I called the company associated with Account A. The account is open with ALL of my info. First clue it was ID theft and not a reporting mistake. Filled a claim with them, and now I wait for the run around in the mail.
Still need to call Account B (too late after all this other shit). However, I did receive 2 pieces of mail about this (these) account 2 or 3 months ago. I kept it because its from a store I shop at, but have never had any type of account with. The letters talk about account holder benefits. Both the same, accept for an account number. That explains the 2 hits with each agency. Tomorrow, I plan to call them and go through the same steps as I did with Account A.
Also, plan to go through the online dispute process with all 3 agencies. Because doing it over the phone would take an act of god to accomplish in a day.
What other steps would you recommend for me to take while Im going through this? All I can do at this point is work to clear my credit. The dings are already there for me to disprove.
