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Xpost from Idenity Theft. I have sent block letter per FACTA to Experian along with FTC Affidavit, police report, driver license, social security card, utility bill (for address verification) and received 2 page letter from them after a month of investigation. Basically here what is said on the first page "If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter". At the end of the letter is noted "The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reasons(s): It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information" Can someone explain what is this response and what is my next step? This is unbelievable. Equifax and Transunion diligently blocked within 24 hours of receiving. [/ post]

I recently learned that I have charge off of several hundreds of dollars from comcast that is being reported on my CR although I have an active account in good standing with comcast. I contacted comcast and after several calls one csr was able give some details about why this was showing on my CR. She stated some catv equipment was ordered a few months ago and never returned. I explained that I've never ordered any equipment and had the same service for several years. I assured her that I never requested any upgrades or new service. After asking for the date and location of activation she was able to give the address of services and the person who opened the account which is not my address nor anyway related to my name. She eventually realize that this appeared to be fraud and told me that I would have to fill out the following form: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf and get a police report Once I filed a police report and completed the form I would have to go into a local branch and show proof that I filled out this form. I attempted to iterate that this account was not created by me and that comcast needs to investigate why new service was allowed to be created especially since it would've been trivial to identify that service already existed for said ssn, but she stated nothing could/would be done until I completed the process she requested. My question is since Comcast is making the claim that this is legitimate isn't the burden of proof on them and not on me. Legally they made a claim so why do I have to prove my innocents? I have not sent any formal validation request to comcast but based on our phone conversation I do not think I would get any different results as all they will see is an account was opened with my ssn. This really isnt a post about the validation process but more of a question about burden of proof and what is consider proof... Is an account showing in some company's system enough proof? Should I be able to sue comcast - not that I necessarily want to to do this but its clear they were negligent or did I somehow forgo my rights to sue when I signed up for services? I will probably submit to their request and fill out the form and police report but if there is any other recourse I may consider taking legal action. To be completely honest I do not feel good about filing a complaint with the sherrifs office. I'm no criminal and have a clean record but I choose to limit my dealings with government agencies. I like to keep my digital profile as non-existent as possible and I simply do not want to acquiesce to any additional contracts.