Re: What if a CA doesn't validate the debt?

Posted by Steve (24.48.137.49) on July 12, 2002 at 23:35:49:

In Reply to: Re: What if a CA doesn't validate the debt? posted by Why Chat on July 12, 2002 at 23:00:57:

I accept responsibility for all my actions, debt included. I have never and will never dispute something that I know is rightfully mine. I can fill this entire page with threads asking what I can do to restore my credit to what it was only 2.5 years ago. However I tend to figure out most of it on my own. And this is all because a family member thought it would be cool to play me for nearly 4 months while I was in Europe.

I have relentlessly pursued creditors, CA's, CA attorneys, placed fraud alerts on everything under the sun. I have spent well over $500 on CM/RRR letters in the past 2 years. However, it does not look like fraud since I did not know until I opened up several bills, which eventually gave way to CA notices and the like, upon my return to the states, almost a full 4 months after the 5 accounts were opened. Of course no payment was ever made. At that point in time I was not aware that degt was "charged off" 6 months after the last payment, or in my case, no payment. In hindsight it all makes sense because about a month after the 6 month limit had passed the CA letters began trickling in.One of the OC's even went so far as to accuse me of trying to "pass the buck" even though I was willing to notarize a letter stating the account was not mine. This was a backbreaking situation to come home to and forced me to cancel a trip to the Florida Keys I had been planning with friends for almost a year.

ID Theft/Fraud is something that I would not wish upon anyone. I am at the point now where I am trying everything to get negative listings removed. Out of 5 accounts fraudulently opened in my name, only 1 of the creditors worked with me to the point where they removed the listing from my report. The other 4 have been very difficult to deal with. Disputing with the CRA's didn't do much, as they all verified. And that leads me to today and posts like this and other similar ones. Hope this cleared up a few things.

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