You will be inclined to do things over phone, because credit reporting agencies and banks push people to it (and lately apps). No. Calls.
-
Show this thread
-
Everyone attached to a telephone at a CRA has scripts which are optimized for getting you off the phone and minimal ability to help.
1 reply 64 retweets 384 likesShow this thread -
If someone has opened an account in your name do not call the bank and ask them to close it. You do not have or want authority on acct!
19 replies 251 retweets 797 likesShow this thread -
You should file a police report locally and get the police to issue a paper copy or receipt. It doesn't matter if they investigateZ
5 replies 117 retweets 522 likesShow this thread -
You will snailmail copy of that report to the bank's legal department (address available online) with a short letter.
3 replies 81 retweets 447 likesShow this thread -
The contents of the letter: you did not open; correct immediately; any collections activity including reporting to CRAs a FCRA violation.
2 replies 87 retweets 573 likesShow this thread -
The bank is responsible for all damages and this letter is specific written notice of your complaint. You require resolution immediately.
1 reply 80 retweets 492 likesShow this thread -
You also require all communication about the matter to be in writing to you.
3 replies 70 retweets 439 likesShow this thread -
Why do you write these things? Because you a) start the clock on a variety of regulatory state machines and b) signal that you know that.
2 replies 85 retweets 560 likesShow this thread -
Replying to @patio11
I think this may have been missing (or underplayed) in your blog post.
1 reply 0 retweets 1 like
Thanks, will try taking a whack at it tomorrow. Which of "starts clocks" and "signals you know clocks exist", or both, did I under cover?
-
-
Any more to it than the section w/"variety of timelines"? I understood the timeframe being relative to their receipt of certified mail.
0 replies 0 retweets 0 likesThanks. Twitter will use this to make your timeline better. UndoUndo
-
Loading seems to be taking a while.
Twitter may be over capacity or experiencing a momentary hiccup. Try again or visit Twitter Status for more information.