Newbie fighting an uphill battle with CRA's to block fraudulent info

[Ua281831]

First let me say that it is a pleasure being a part of this awesome community/forum, and I look forward to learning so much from you all. This site has given me renewed hope in my quest to obtain more favorable credit scores!

I have only been a member for a couple weeks (newbie) and probably spent 5 hours my 1st day trying to read all the info (not possible). Therefore, I look forward to a long long relationship with creditboards.com.

Current Score Situation:

EX 596

TU 576

EQ 532

A little background...

1 BKO - Discharged 9/2009

2 Charge Offs - Accounts I did not authorize/open (furniture acct & credit card)

8 Student Loans - Reporting 90-120 (deferment request not processed, their error)

10 Collections - (8 Hospital/ER, 1 Installment, 1 Appliance Warehouse)

About the fraud...

I have 5 accounts that were opened fraudulently. A police report was filed, also completed an FTC ID Theft Affidavit, sent to all 3 CRA's about 50 days ago. To date all those accounts haven't been blocked. EQ has been the only CRA to respond, in fact EQ said they investigated and determined 3 of the accounts belong to me (not true). I am furious because I don't know what else to do.

I would greatly appreciate any advice you all can give me that might be helpful and getting this stuff removed. I will also continue to reading the threads as well.

Thanks,

Prodigy

[Allisson0605]

File a complaint with CFPB.

[Guest]

Have you removed all old addresses?

 

And if EQ placed a Fraud Alert, does that not mean that all three CRAs nos have that as well?

[LKH]

You need to address the ID theft with the creditors directly. Send them copies of the ID theft affidavit and your police report. Ask them for any and all info they have on these accts.

Ask them to help you with this situation so you can have the perp prosecuted. Also ask them to immediately remove any and all info from the CRA's.

[Ua281831]

You need to address the ID theft with the creditors directly. Send them copies of the ID theft affidavit and your police report. Ask them for any and all info they have on these accts.

Ask them to help you with this situation so you can have the perp prosecuted. Also ask them to immediately remove any and all info from the CRA's.

 

Thanks for your advice LKH, EQ suggested I do the same. I have prepared letters and plan to send along with my ID Theft Affidavit on Monday.

[Ua281831]

Have you removed all old addresses?

 

And if EQ placed a Fraud Alert, does that not mean that all three CRAs nos have that as well?

EQ has removed all address, EX has not responded to my request to remove them yet. So far EQ has been the easiest to work with. I had 8 student loan accounts showing 90-120 days. After reading one of the post here on Creditboards.com I sent a letter about 2 weeks ago. This morning I got an email alert advising me of changes. They deleted the payment history for all 8 accounts and now they appear positive. Only boosted my score 35 points, but it sure feels good to have that change.