My address & phone # showing up on some deadbeats credit report!!?

Question

Out of nowhere, nasty phone calls from nasty collectors. Clearing them by sending letter indicating their error but then some other company calls!! My credit is spotless - just refied a HELOC and my credit score was 803 and DW's was 812!!

Help!!!!

Answer 1

Identiy theft !!!

http://en.wikipedia.org/wiki/Identity_th...

Answer 2

If you think there's been some kind of mistake, then contact the 3 bureau companies to correct these errors.

Answer 3

It sounds like someone has stolen your credit identity.  If you don't take action to correct this, your credit score will tumble and be ruined.

Answer 4

You can complain to the FTC. See the info here, and the contact info at the bottom of the page.

http://www.ftc.gov/bcp/edu/pubs/consumer...

You can send a certified letter threatening them with a lawsuit.  They understand that to harass someone, especially someone who does not owe the debt can result in hefty fines and a lawsuit they will very likely lose.

Answer 5

probably a one in the same name type deal

There are a lot of Jon Jones in the world and these collection companies call every one across the nation with the same name looking for mr right