Handling Charge-Offs

[justzee22]

Good evening members-

 

I am going through my credit report working to get things paid off so that i can prep myself for purchasing a home within the next 24-36 months.

 

While reviewing my report I came across some accounts that at one point in time were charged-off because of unemployment, but have since been paid completely off and are still showing as either Paid, was charge-off or Payment after charge-off/collection.This account was for an automobile that I had financed through GMAC and furniture purchased from a company called USA Discounters.

 

Then I came across 2 other accounts from Verizon for home services (cable and phone) that I know I never had, but when I called Verizon to dispute the accounts not only would they not give me any information but all they would tell me is that it was my name on the account but when I asked what month the birthday was listed on the account or what the last 4 of the SSN was none of it matched my information not to mention the accounts were opened after I left the state. But Verizon whats me to provide all types of verification on my end. I will pay for what belongs to me but I am not going to shell out almost $800 for accounts that I am sure are not mine.

 

1. After an account is paid, the status should reflect PAID and nothing else, correct?

2. Is there anything I can do to update that on my credit report, so that it shows neutral?

3. How do I deal with Verizon without sending them all of my personal information to make them prove the accounts belong to me?

 

Are there any credit veterans that can give me some advice on handling the situations or point me in the direction of some credit letters here on creditboards that have been used?

 

 

[CTSMOM01]

1. That is correct unless you requested in writing a PFD. They are accurately reporting the account status.

Were you a victim of identity thief? If so, have you disputed this information with the reporting bureau?

[justzee22]

1. That is correct unless you requested in writing a PFD. They are accurately reporting the account status.

Were you a victim of identity thief? If so, have you disputed this information with the reporting bureau?

 

I am not exactly sure I am a victim of identity theft, because other than my name none of the other personal information matches mine. The SSN does not match, birthday or my mothers maiden name. I just know I have 2 accounts from Verizon showing on my credit report that are only there because of the name.