Someone got my name, address, SS#, birthdate, and changed my phone number by one digit and applied for a T-mobile account. First I found out about it was when I get a letter indicating they had pulled my credit. I called and told them it was fraud. They told me they'd take care of it. They also opened a Best Buy card, which also pulled my credit. I don't think the sprint account they opened pulled my credit.
So, one CRA allowed me to dispute the inquiries and I imagine they are going to remove the inquiries. Two other CRA's won't even allow me to dispute them and they're not removing them. They want me to write letters, forward them letters, etc. I just wanted this to go away and I thought they'd agree. If I'm going to write letters, now I'm looking to get paid for my time. Again, I tried the easy way already.
So what's the procedure here? From what I gather, its going to be easier to make T-Mobile and Best Buy pay me than it is to get the CRA to pay me because they can just delete it when this goes too far for them. So the first step is to dispute the inquiries with the CRAs through the mail and wait for the response, yes? Should I get a police report and include it and my license or just send the dispute letter by itself? Should I send anything to T-Mobile or Best Buy yet?
The first thing to do is to get hard copy reports of all credit reports from all three bureaus. These must be hard copy reports that you get in the mail from each credit bureau. Repeat that three times. They must be mailed to you. Online reports will not work. Printed online reports will not work.
I would call all three bureaus and order the reports through their 800 number. I would not pay for the report, and I would not order the score. I would press the options for a credit report if I was denied credit so that I can get the free report.
This first step is very important because it will ensure you get off on the right foot. When you get the reports, you need to look at them very carefully. There will likely be many errors there.
I would file a police report, and get certified copies of the report, and I would mail a notice to all three bureaus of identity theft with copies of that police report. I would mail each notice via certified return receipt mail and I would ask each bureau to place a security fraud alert or freeze on all my credit reports.
When the hard copy reports come in the mail, I would file disputes with each credit bureau for all the inaccurate information, and I would send those disputes via CMRRR.
The sad reality is that the credit bureaus are not going to help and will in many cases hurt consumers in this predicament. However, when credit bureaus ignore a consumer and violate the FCRA, there are damages that a consumer can pursue and that is where you may receive some money for your troubles.
Remember here that the CRA is going to do whatever it can to make this problem worse. The only way to combat this situation is through documenting everything, keeping copies of everything, and sending everything CMRRR.
Incidentally, I would consider purchasing a credit monitoring product from the most offending CRA, because it will afford arbitration, and the opportunity to go after the credit monitoring service as well.