Experian Credit Report Disputes Address
2010
Question about credit card fraud?
I’ve been getting calls from collection agencies telling me that I own them money. I checked my credit report and 11 credits (all charged to the max) are on there and I’ve never owned a credit card. I have a strong suspicion that it was my roommate, well actually, I’m almost positive it was her. I disputed these cards with the Experian. The problem is that my roommate is very smart. First, she’s a handwritting expert, she can duplicate any signature. Also, she new all of my information from my address, to social, to birthday, everything. What I’m afraid of is that I won’t win the dispute b/c most likely the cc companies are going to say that my signature was on all the receipts so it can’t be fraud. Then they may accuse me of claiming false fraud and I could go to jail. My roommate has pretty much fucked me over. What else can I do to prove I didn’t get these credit cards? What if they say that my dispute is denied, then what?
I am an attorney in Garden Grove, California. About half my practice is consumer and credit related. Clients come to me with similar situations several times per month. You can contact the credit card companies directly (do not be afraid of being punished for informing them of the fraud). Inform the credit card companies that you are a victim of fraud and tell them the story. Some companies will forward you to a fraud investigation department and most will request a written statement regarding the fraud. Some companies will require a police report be filed as proof of your sincerity (filing a false police report is a crime). If these actions do not get you results, contact an attorney. Adam Fullman.
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