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Dad's unpaid medical bills on son's credit report?


meyernr
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The last post in this topic was posted 3942 days ago. 

 

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My boyfriend's named similarly to his father (example: imagine his name is "Derrick James Jones," and his father's name is "Derrick Jarrod Jones"). There are a few items on his credit report that are his father's, who has medical issues, for example an unpaid ambulance bill. In order to get this removed, it says we need to write the companies with proof but I'm not really sure what that would include.

 

Is there anyone who can give us any ideas about what to do? Thanks for any help you can give!

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Request copies of the credit reports. Then search this forum for dispute letters. You'll probably want to send copies of your husband's driver's license and SS card, to prove that the social security number does not belong to his name.

 

My father and I have similar names, and I have dealt with similar issues (except in my case, Transunion merged our reports twice...)

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  • 2 weeks later...

My boyfriend's named similarly to his father (example: imagine his name is "Derrick James Jones," and his father's name is "Derrick Jarrod Jones"). There are a few items on his credit report that are his father's, who has medical issues, for example an unpaid ambulance bill. In order to get this removed, it says we need to write the companies with proof but I'm not really sure what that would include.

 

Is there anyone who can give us any ideas about what to do? Thanks for any help you can give!

 

 

in this case, dispute this with furnisher of information first;

 

RE: Account # ______________________________

 

Dear ____________________

 

 

I recently obtained a copy of my credit reports, and certain account belonging to my father ______________________________ or someone with a Similar name have been reported to ( CRA name ) as collection accounts.

 

 

My full name is _______________________________, last 4 digits of SS # _________

 

attached is a copy of my drivers licence and utility bill with my current address.

 

Please correct your reporting by deleting these accounts from my records.

 

I am also contacting ( CRA names ) and disputing.

 

If your firm continues to report these obligations as mine, and I find that your firm's reporting has damaged my credit rating, I'll turn this over to an attorney for FCRA violations and actual damages.

 

Your firm has no permissible purpose for accessing my reports, as these accounts are either my fathers, or someone else with a similar name.

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The last post in this topic was posted 3942 days ago. 

 

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