I was the victim of a fraudulent use of my name and social security number to obtain a Providian credit card. When the identity theif didn't pay, Allied Interstate somehow found my number and begain calling me multiple times a day and even harrasing my wife by claiming that she would be held responsible.
I was never provided anythign in writing about the account. I located an individual named Pat within the organization and faxed her a police report I filed. As it turns out, they did nothing. The account was bought by a "bad debt dealer" named Portfolio Recovery Associates and they employed a second collection agency which was even worse than the first. They refused to believe that the account was not mine.
I have asked for all records to which I am entitled under and State and Federal statutes and have received nothing.
This incident is the only blemish on my credit and you can bet I am quite upset. It has been going on for a year and keeps creating embarassment and expense for me.
Here's the good news. I practice law and I am preparing a law suit against Providian (now Washington Mutual, Allied and Portfolio Recovery and the second collection agency when I can figure out their name. Wish me luck.
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