Figure out identify theft issues..

[J31Bro]

:crap:

I go to AT&T today, they tell me "seems you've got some credit issues, we'll need a $500 deposit.."

ok.. I have 0 credit. I've done nothing to even establish any sort of credit record. So this strikes me as funny.. I just figure since I have no credit, that my deposit is outrageous.

I go by T Mobile to look around.. have them run a credit check to see what prices will be like.. guy has to call in my soc#, T Mobile basically says I don't exist?

WHAT THE FUCK?

Guy there tells me "T Mobile does that sometimes when there is no established credit." So then he tries to go Sprint.. he ends up having to call them as well for "manual review" and I have to talk to the lady to answer some questions..

The lady asked me if I'd ever lived in any other cities than the one I do now, no. If I've lived at my current residence for 2+ years, yes. She tells me both answers are incorrect & continues to say "our credit check shows there is a loan currently in your name.."

:fu:

What the hell do I do?

[bigtoyota479]

Pull up a credit history report, find out who the loan is through, and contact them immediately!

You are allowed a free credit report every year, I'll get you the website.

[bigtoyota479]

https://www.annualcreditreport.com/cra/index.jsp

[bigtoyota479]

You need to find out what is on your credit, who put it there, and who the loan is through. After that, you need to contact whatever financial institution currently is holding the loan, and go from there. You sure they didn't just mess up your SS# when you gave it to them?

[J31Bro]

thank you. i'll do this real quick.

[J31Bro]

You need to find out what is on your credit, who put it there, and who the loan is through. After that, you need to contact whatever financial institution currently is holding the loan, and go from there. You sure they didn't just mess up your SS# when you gave it to them?

i gave it to him 3 times verbally, then wrote it down on a piece of paper (which i got back) and eventually had to show him my actual soc card.

[J31Bro]

equifax, transunion or experian to do my free credit report?

[bigtoyota479]

All 3. You are allowed all 3 free each year.

[bigtoyota479]

What may show on one, may not show on the other. You need all 3 to see what is going on.

[Glock17]

equifax, transunion or experian to do my free credit report?
Just pick either one and , then it will ask you like 4 questions..

[bigtoyota479]

Just pick either one and , then it will ask you like 4 questions..

He needs all 3, not just one. Have to do them one at a time, though, IIRC.

[J31Bro]

All 3. You are allowed all 3 free each year.

View your credit score*
once with your credit
report disclosure request
for just $ 7.95
*Score will be your Equifax
Risk ScoreSM, not your FICO®
score.

saying it's not free.

[bigtoyota479]

Hang on, I'll go through there myself. Should be free, unless you've used this service before in the last year?

[J31Bro]

never done a credit check.

[J31Bro]

We're sorry, for your protection we are unable to deliver your FACT Act Equifax Free Annual Credit Report on the internet. There are a number of reasons that we may be unable to fulfill your request online. You may have a Security Freeze on your credit file, an Active Duty Military or Fraud Alert, or the identification information submitted online may not match the information on file.

:fu:

[atoz350]

If you want one quickly and don't feel like waiting for it, go to a public credit union and ask to open an account. They'll give you a detailed report right there.

[bigtoyota479]

oh shit dood. That's not good. I'm not sure where to go from here.

[J31Bro]

trans union says

Unable to Confirm Identity
As a security precaution, we cannot provide online delivery

What's happening...
We apologize for the inconvenience, but based on the information provided, we have been unable to confirm your identity.

Because the protection of your security and privacy are of the utmost importance to us, we cannot yet display your Personal Credit Report online.

[J31Bro]

what the fuck is going on..

[bigtoyota479]

Dood. You need to go here and start reading. NOW!

http://www.ftc.gov/bcp/edu/microsites/idtheft/

[J31Bro]

If you want one quickly and don't feel like waiting for it, go to a public credit union and ask to open an account. They'll give you a detailed report right there.

public credit union.. only credit union local to me is IFCU.

[bigtoyota479]

It will tell you what to do and how to get this resolved. READ IT!

[J31Bro]

i am.

[J31Bro]

calling Fraud Victim Assistance Division

[bigtoyota479]

There you go.

[J31Bro]

i'm shitting.

[J31Bro]

called trans union, put an "alert" on my soc#.. if anything else is attempted i will be contacted.. now i've got more reading to do. :crap:

[J31Bro]

the experian credit check worked.. and i'm seeing 4 different things right now that i DID NOT open.. and they're in parts of Indiana that I've never been to.

[bigtoyota479]

Follow the instructions on that website to get this resolved. Most likely won't be able to do anything until tomorrow anyway, given that today is Sunday.

[J31Bro]

:crap:

this is scary yo.

[97gp]

Thats tight homie, someones building your credit for you.

[J31Bro]

Thats tight homie, someones building your credit for you.

Account History:
60 days past due as of Aug 2006
30 days past due as of Jan 2006

Account History:
120 days past due as of May 2006
90 days past due as of Apr 2006

Account History:
120 days past due as of May 2006
90 days past due as of Apr 2006


120 days past due as of Jun 2006
90 days past due as of May 2006
60 days past due as of Oct 2006, Apr 2006, Dec 2005
30 days past due as of Sep 2006, Mar 2006, Nov 2005, Aug 2005, May 2005

thanks for the great credit! :fu:

[evildave101]

bad credit is better than no credit

[J31Bro]

i'm reading on to find a car loan, a couple credit cards.. god damn.

[bigtoyota479]

This better not be a troll, homie, or I will NOT be happy.

If this is real, this is some fucked up shit, and you have a long road ahead of you. And I mean long.

[J31Bro]

no troll. dead serious. do i need screenshots?

[IamDeMan]

no troll. dead serious. do i need screenshots?

Nope. I believe you are stupid enough to have allowed this to happen.

BTW, the process of getting all this off your history is tedious and time consuming. Don't expect to get your OWN credit history back any time soon.

[J31Bro]

Nope. I believe you are stupid enough to have allowed this to happen.

BTW, the process of getting all this off your history is tedious and time consuming. Don't expect to get your OWN credit history back any time soon.

How do you figure I'm stupid for this?

According to the credit report, the fraudulent occurrences started in 2004.

I was 14 in 2004.

[97gp]

So you've been stupid for quite some time eh?

[J31Bro]

So you've been stupid for quite some time eh?

yes.

[J31Bro]

When I was 14, I wasn't doing anything that could have resulted in a breach..

No online anything, didn't even carry my soc card on me.. and my parents took care of everything still.

[97gp]

Its probably your trashy mother who walked out on you.

[J31Bro]

Its probably your trashy mother who walked out on you.

LMFAO.

your trolls are so weak.

[MR.Crunk]

just checked mine, all looks good no late payments. except equifax says i owe somebody $144 and its in collections? from when i was 15 lol

[J31Bro]

just checked mine, all looks good no late payments. except equifax says i owe somebody $144 and its in collections? from when i was 15 lol

lulz. find out what it is. no blemish is a good blemish.

[MR.Crunk]

some medical company, been on my report since 02/07. its been in collections and ive never gotten a call lols. Ill get it fixed, get somebody else to do it for me ;)

[J31Bro]

:crap:

up early in the AM to get the ball rolling.

[Superlifted06FX4]

Sucks to be joo

[IamDeMan]

How do you figure I'm stupid for this?

According to the credit report, the fraudulent occurrences started in 2004.

I was 14 in 2004.

Oh I don't think you're stupid just for this. You misunderstood me due to the fact that you are stupid. This sort of shit happens more often to stupid people.

[Toasted1]

LMFAO.

your trolls are so weak.

He could possibly be right, I have no clue if you have shitty parents or not but it is very common to put shit in your kids name if you are a deadbeat and don't pay your bills.

I've seen it done with electric, cable tv, gas etc I am sure it could be done getting CC credit by just filling it out online or mailing in one of those forms.

[_AnGeL_]

You need to find out what is on your credit, who put it there, and who the loan is through. After that, you need to contact whatever financial institution currently is holding the loan, and go from there. You sure they didn't just mess up your SS# when you gave it to them?

it also might be a mistake on the credit agencies part. i know on my credit report with experian i have a bunch of shit on there that isn't mine.

[gymfreak101]

Check people close to you, anyone with knowledge of you could have done this. My stepsister opened accounts on her 4 year old son and her dad who passed away in 94.

[_AnGeL_]

lol wtf?

[gymfreak101]

lol wtf?

She is addicted to meth, maybe I should hook gore up with her. She used to be fat but I think she weighs about 110 now

[J31Bro]

He could possibly be right, I have no clue if you have shitty parents or not but it is very common to put shit in your kids name if you are a deadbeat and don't pay your bills.

I've seen it done with electric, cable tv, gas etc I am sure it could be done getting CC credit by just filling it out online or mailing in one of those forms.

My parents have morals.. :grin3:

[bigtoyota479]

What's the status on this? Any progress?

[J31Bro]

update:

Local fuzz is awaiting a hard copy of my credit report so they can begin to sapina(sp) records and attempt to arrest those using my identity. Longshot, but can't really do much else but hope.

I contacted trans-union for a hard copy.. I got it yesterday & it only goes back 2 years. :fu:

The issues are from 2004-2007. Super fucking fail.

I'll be contacting Experian for a more in depth analysis of my credit report like the one I got from them online.

What's the status on this? Any progress?

was poasting update as you poasted. :)

and i'd like to thank you once again for pointing me in teh right direction brudda. respek fer sher.

[bigtoyota479]

Sure thing dood. Identity theft is no laughing matter. It really fucks your life up. No matter what I think of people on teh internets, it's one of the things I'll be :srs: about.

[J31Bro]

and it's appreciated my nig.

[IamDeMan]

My parents have morals.. :grin3:

Too bad they didn't pass them down to you.

[J31Bro]

Too bad they didn't pass them down to you.

You know nothing about me other than my constant trolls on CA.com & here.

So I can call this post a lie. :fyi:

[J31Bro]

Update:

Received moar info in the mail. Got my Experian report ID, printed the report, took it to teh polices. Now I patiently await a detective to contact me.

They will begin to sapina records ASAP, I hope.

[brynm]

Update:

Received moar info in the mail. Got my Experian report ID, printed the report, took it to teh polices. Now I patiently await a detective to contact me.

They will begin to sapina records ASAP, I hope.

Subpoena

[J31Bro]

Subpoena

I was wondering how the fuck to spell it. FF never spell checked it. :crap:

[J31Bro]

Did you meet an Officer walking in the building and glanced at whats on his/her hip?

Whenever I walk in there.. this is all I really think:

http://i48.tinypic.com/2en5ks5.jpg

[IamDeMan]

You know nothing about me other than my constant trolls on CA.com & here.

So I can call this post a lie. :fyi:

You can call it what you want, but I aint buyin.

My first exhibit is a kid that I am fairly certain you didn't plan for.

[IamDeMan]

yup

[J31Bro]

You can call it what you want, but I aint buyin.

My first exhibit is a kid that I am fairly certain you didn't plan for.

Fault was not mine.

I was trapped.

[Porch Monkey]

and your dad should have been strapped and this predicament would have never of happened in the 1st place

:fyi:

[atoz350]

Easiest thing to do is obtain a credit card and charge it up to it's limit. Never pay the bill. Wait until your state's Statute of Limitations kicks in. Claim to not know anything about the account.

[J31Bro]

Easiest thing to do is obtain a credit card and charge it up to it's limit. Never pay the bill. Wait until your state's Statute of Limitations kicks in. Claim to not know anything about the account.

was 14 when this was happening. :icon14:

[J31Bro]

and your dad should have been strapped and this predicament would have never of happened in the 1st place

:fyi:

or gay? :goatse:

[Porch Monkey]

I have good credit.

[J31Bro]

:repost:

[Porch Monkey]

checked mine last month, score of 754

[Porch Monkey]

:woot: I'm now a member of lifelock thanks to this thread.

[J31Bro]

:woot: I'm now a member of lifelock thanks to this thread.

http://lifelock-scam.com/lifelock-service-ruled-illegal/

hahahahahaha. How did you not know about the LifeLock scandal?

[J31Bro]

The suits claim that LifeLock uses aggressive advertising to entice consumers to sign up for its $10 a month service knowing that the sevice it offers is flawed because the social security number they use in the ads has been used to illegally obtain at least 20 driving licenses and a payday loan in CEO Todd Davis’ name.

As you are probably aware, Lifelock describes it’s service as “proactive identity theft protection, offering a proven solution that prevents your identity from being stolen before it happens.”

The lawsuit further claims that the LifeLock “proven solution” that it heavily and aggressively markets consists of illegally placing and renewing fraud alerts under consumers’ names with the credit bureaus.

It seems that under the federal Fair Credit Reporting Act, corporations such as LifeLock are not allowed to place fraud alerts on a consumers’ behalf and further more according to the complaint, the law was written so as to specifically prevent credit repair companies from improperly using fraud alerts.

Through the lawsuits plaintiffs also claim LifeLock miss-states its legal obligations to customers and what its protection service covers if a loss occurs. In marketing campaigns the company touts a $1 million guarantee, yet a closer examination at the fine print reveals that LifeLock will not pay any losses directly to the consumer and does not cover consequential or incidental damages to identity theft, plaintiffs claim. You can read more on that more than a little misleading Lifelock guarantee.

The first and original suit filed by HBSS claims LifeLock violated Arizona’s Consumer Fraud Act and the Arizona Insurance Code, and seeks to have all members’ fees refunded due to the illegality of the contract and LifeLock’s misrepresentations about its service.

:laugh:

lulz were had @ teh fact that joo lied.

[J31Bro]

So I've been working on this with a lawyer.. turns out this shit has been going on since 96. He thinks a Messirican has my information somehow. Working on getting it corrected so I can lead a normal life.

[Glock]

So I've been working on this with a lawyer.. turns out this shit has been going on since 96. He thinks a Messirican has my information somehow. Working on getting it corrected so I can lead a normal life.

Sorry bro, I used your score to buy two brand new Waverunners. :fyi:

[Porch Monkey]

when my grandma filed her taxes a couple weeks back, she got a phone call someone already filed with her ss#