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One Bank Problem
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Posted by Jack-O-MO
(205.188.209.144) on February 01, 2004 at 12:44:05:
I live in Missouri and my question is about a credit card.
This card is not mine and it does not belong to anyone connected to me.
My credit report lists it as opened in 11/1993 and Date of last activity 04/1997 with a balance of $12,000.00.
I have reported ID theft with all 3 CRA's and the FTC.
I have asked the bank to validate the debt.
The CRA's report back that it has been validated, but I have never received anything from the bank until 01/30/2004. That was an offer to settle for half and they would stop further collection activity.
I have never received any collection calls or letters from this bank.
I found it on my credit report when I got the reports because I wanted to refinance my home.
It's the only black mark I have, otherwise it's a clean report.
Neither the CRA's or the bank will remove it.
What do I do?
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