Some Help... Complex Situation

[Frdtrtnfx4]

I was the victim of identity theft/fraud. My brother used my personal information to open a credit card up. I had no idea he had done this until i received a letter from a debt collection company. I was like what in the world is this. I tried to contact the original creditor and explain to them what happened and they told me to call the collection company and that they could do nothing for me. I told the collection company what happened and they investigated my claim and found me to be the person NOT responsible for the accounts. They had my dirtball brother fill out a responsible party affidavit which states he is the person responsible for the accounts.

The account was turned over to him for repayment. However i tried to dispute this with the original creditor again and there weren't having any of it. I successfully disputed this with Experian, but Transunion and Equifax continue to confirm this account belongs to me. Anyone have any input on this that can be helpful for me? I did file a police report and such when this first happened.

[chane]

Experian is usually the hardest to deal with. The others should be easier. Try disputing them in another way. Don't give a reason or give a different reason.

Stay persistent. Dispute it until they delete it.

[J.A.]

Have you written dispute letters with an attached police report and the affidavit that your brother signed stating that he was responsible for debt to all 3 bureaus or the 2 still showing it as a valid debt?

[Frdtrtnfx4]

As of this morning I am down to just Equifax. Yes i have sent in dispute letters along with paperwork showing that i am not responsible for the account. Equifax is ignoring the letters and contacting the OC directly and confirming the valid account.

[J.A.]

Look on the Equifax credit report and get the record or file number listed at the top. There should also be a phone # that you can Monday through Friday until a certain time of the day and actually speak to a rep. about why they are validating something that is actually fraud. When you speak to them, they usually will re-investigate and probably ask you to send the information again, but to a specific rep. It will get resolved. Just be a little more patient. Let us know what happens.