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Started By
Message
Anyone had their identity stolen?
Posted on 1/25/25 at 8:45 am
Posted on 1/25/25 at 8:45 am
Have a feeling this has just happened to me. How big of a pain in the arse am I in for?
4
Posted on 1/25/25 at 9:03 am to GeorgeTheGreek
It will be a pain in every part of your body, not just your arse.
An illegal immigrant got a hold of my SSN and rented an apartment and got utilities in Chicago. Obviously never paid. Started getting collection calls regarding it and just told them they had the wrong person, stop calling, etc.
Got formally sued by the gas company. Came home from work one day with a summons nailed (seriously) to my front door. About $4000. It cost me that in attorneys fees to prove that I had never lived in Chicago. The apartment was easy. They knew the tenant was not a white guy from Mississippi and one call from an attorney cleared it up. That was the big dollar figure. The utilities were the ones that caused issues. Gas, electric, water, cable.
Comcast refused to remove it from my credit report even though they had proof it wasn't me. It took the entire 7 years for it to naturally fall off. I refuse to do business with them to this day. Luckily everything was apartment and utilities, no banking. I've heard that credit cards and banking issues are even tougher to solve.
My credit report still says I lived in Chicago in 2005.
An illegal immigrant got a hold of my SSN and rented an apartment and got utilities in Chicago. Obviously never paid. Started getting collection calls regarding it and just told them they had the wrong person, stop calling, etc.
Got formally sued by the gas company. Came home from work one day with a summons nailed (seriously) to my front door. About $4000. It cost me that in attorneys fees to prove that I had never lived in Chicago. The apartment was easy. They knew the tenant was not a white guy from Mississippi and one call from an attorney cleared it up. That was the big dollar figure. The utilities were the ones that caused issues. Gas, electric, water, cable.
Comcast refused to remove it from my credit report even though they had proof it wasn't me. It took the entire 7 years for it to naturally fall off. I refuse to do business with them to this day. Luckily everything was apartment and utilities, no banking. I've heard that credit cards and banking issues are even tougher to solve.
My credit report still says I lived in Chicago in 2005.
This post was edited on 1/25/25 at 9:06 am
Posted on 1/25/25 at 9:51 am to anc
That fricking sucks.
I may be ok after all.
Someone keeps trying to make purchases in my name. (Obviously killed off the credit card…)
But even this morning got another email where a guy is trying to place an order with pending payment.
I logged into Credit Karma and my Equifax dropped by 40 points with no explanation. I went from 820 to 780.
So I hopped into my TransUnion, Equifax and Experian and confirmed no new credit lines had been opened and froze all three and placed a fraud alert. If anyone has better ideas let me know.
I may be ok after all.
Someone keeps trying to make purchases in my name. (Obviously killed off the credit card…)
But even this morning got another email where a guy is trying to place an order with pending payment.
I logged into Credit Karma and my Equifax dropped by 40 points with no explanation. I went from 820 to 780.
So I hopped into my TransUnion, Equifax and Experian and confirmed no new credit lines had been opened and froze all three and placed a fraud alert. If anyone has better ideas let me know.
Posted on 1/25/25 at 10:30 am to anc
quote:
Comcast refused to remove it from my credit report even though they had proof it wasn't me. It took the entire 7 years for it to naturally fall off.
And Big Business wonders why people don’t feel bad when a CEO gets killed on the street.
Posted on 1/25/25 at 11:15 am to Drizzt
quote:
And Big Business wonders why people don’t feel bad when a CEO gets killed on the street.
Bruh… need to reexamine what sets you off. There’s a big difference between watching your mom literally suffer to death and a credit score issue that you have no back story on. Lol
Posted on 1/25/25 at 11:28 am to UpstairsComputer
Bruh, I have no sympathy for corporations that frick us over constantly and refuse to do something as simple as take a fraudulent charge off your credit report. Companies want every protection in the world but could care less if they hurt you. Look at the BoA and JPM CEOs lying saying they don’t debank conservatives and religious groups. frick Big Business.
This post was edited on 1/26/25 at 12:28 am
Posted on 1/25/25 at 3:38 pm to GeorgeTheGreek
Best thing I have ever done is I locked my credit. I unlock when I apply for credit, and as soon as the check is done I lock it back up.
Posted on 1/25/25 at 4:23 pm to GeorgeTheGreek
I had someone file a FEMA claim in my name. In addition to locking/freezing my credit, I started requesting a PIN number from the IRS that must be used to file my taxes.
Posted on 1/27/25 at 8:10 am to GeorgeTheGreek
I've never understood how this works. If Mr. Thief steals your identity and runs up your credit card, sells your house or gets a loan, it should be on the bank/business, not you.
If the bank was fooled, they should pay.
If the bank was fooled, they should pay.
Posted on 1/27/25 at 10:19 am to GeorgeTheGreek
More than once, unfortunately.
Many, many years ago, circa late 1990s I always kept a few blank checks hidden away in my vehicle in case of an emergency. Was a fairly common practice at the time.
As luck would have it, the vehicle got stolen and eventually recovered but not before the individual went on a bit of a shopping spree. I dealt with that crap for years, collections agencies harassed me for nearly a decade.
More recently, we went to file our income taxes a few years back, and somebody had already filed a claim using our identity. Around that time, we also noticed some fraudulent credit card charges. It’s believed that they were skimmed.
As a small business owner, it reeked absolute havoc on our business.
Had to create all new banking profiles, and work with a credit card companies to prove that the charges were fraudulent. Fortunately, we were able to get all the charges reversed.
To this day, I do not own or possess a debit or ATM card. Using a credit card offers much more protection. We get pin numbers provided to us by the IRS each year in order to file our taxes. Still today there are certain businesses that will require that I show a photo ID because they may have been caught up in fraudulent credit card charges at some point and I’m flagged in their POS systems.
Many, many years ago, circa late 1990s I always kept a few blank checks hidden away in my vehicle in case of an emergency. Was a fairly common practice at the time.
As luck would have it, the vehicle got stolen and eventually recovered but not before the individual went on a bit of a shopping spree. I dealt with that crap for years, collections agencies harassed me for nearly a decade.
More recently, we went to file our income taxes a few years back, and somebody had already filed a claim using our identity. Around that time, we also noticed some fraudulent credit card charges. It’s believed that they were skimmed.
As a small business owner, it reeked absolute havoc on our business.
Had to create all new banking profiles, and work with a credit card companies to prove that the charges were fraudulent. Fortunately, we were able to get all the charges reversed.
To this day, I do not own or possess a debit or ATM card. Using a credit card offers much more protection. We get pin numbers provided to us by the IRS each year in order to file our taxes. Still today there are certain businesses that will require that I show a photo ID because they may have been caught up in fraudulent credit card charges at some point and I’m flagged in their POS systems.
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