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This morning, someone knocked on our apartment door to repossess a car. Not our car. But the guy had my husband's social, address, name, and entire credit report with him. I wasn't home at the time.
Obviously, this caused us both to become very upset and angry. My husband called to put in a fraud alert with the credit reporting agencies, and we should be getting his credit report in a few days. Then he called the agency the repo guy was working for, and she said that his social was no where in the system and that the account wasn't his. He did some more calling, and it turns out that they didn't have complete information. I guess the deliquent car owner has the same name as my husband and when the agency looked him up, they got my husband instead.
It's still very fishy, as the account seems to have originated in the state where my husband last lived. And while his name isn't THAT unique, it's unique enough to cause suspicion.
So we're going to wait on the credit reports, and make sure that no fraudulent marks are on it.
On the happy side, at least it looks like it's not identity theft.
(My husband is upset that he verified all of his personal information with the repo man... he's always very careful about protecting his information, so his spider sense is still tingling that something is wrong.)
Posts: 2880 | Registered: Jun 2004
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Wait on the credit reports? What do you mean? I got mine online within half an hour of applying for it, when I ran into identity theft trouble. I wouldn't wait.
Posts: 1014 | Registered: Jul 2005
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Does anybody know what the laws are regarding pulling someone's credit report? I was under the impression that you had to have permission or actually have a business relationship with the person. We're at a loss as to how this guy could have pulled my husband's credit report with only his name and address. We figure that they found our address from a routine search--but his social? Was it legal for him to pull the credit report like that? And if he had to have the social first to pull the report, I think since the person who hired him had the correct social, that it should have been obvious that he got the wrong guy.
It's all very confusing.
So were any laws broken? I know having your credit pulled can be damaging to your credit score..but maybe not only one pull.
And is it at all possible that this could be some sort of scam? I am not sure what the point of any scam would be that requires them to get all of our information and then show up at our house to tell us about it... But sometimes scams are clever and work in ways I would never imagine...
Posts: 2880 | Registered: Jun 2004
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When both my husband's and my identities were stolen, we had a fraud alert placed on our credit reports. Now, we get a phone call if any suspicious charges turn up, to make sure they are genuine.
Posts: 5771 | Registered: Nov 2000
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Same thing happened to us a few years ago. We met a guy with a tow truck in our front yard. "Ms. Davis?" he asked. My wife answered yes. He just shook his head and said, "You ain't a thin, single, black woman, are you?"
My wife of English/Italian heritage, who hopes to lose a few pounds, did a double take at herself and said, "No."
"You don't have a new SUV do you?"
"No."
"Well, some one with your social security number bought one a few months ago and hasn't paid a penny for it yet."
It showed up on our credit report for a few years, almost costing us the ability to refinance our home, before the credit companies listened to our complaints and cleared it.
Posts: 11895 | Registered: Apr 2002
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