Following Hurricane Rita, the SBA informed me that I had a $ 5,000.00 negative mark on my credit report. Compucredit. I wrote to the company, and was told they bought a "portfolio" of Providian. I have never in my life had a credit card with a $ 5,000.00 dollar limit. I asked them to prove this was mine. They said I had more than one card with Providian. They sent me a statement for the month of December with one account, then, another statement for the month of December on another account. These were my charges; however, neither account was over $ 900.00 and the two accounts were for December of one year, and December of another year. When I had the card with Providian, I lost it one year. Providian transferred the balance to another account. But, I NEVER had two cards.
However, though they could never explain the $ 5,000.00, Compucredit insisted this was two concurrent accounts. Further, because they had my social security number, the credit bureaus claim the debt has been verified. To complicate the issue further, Providian is still reporting the debt ($900.00), AND Asset Acceptance is both reporting the debt and trying to collect.
Compucredit told me that if I filed a report, they would remove it from the bureau. But, when I called the police, they said I could not prove this was fraud, so they would not allow me to file a report. This mess is now affecting every part of my credit. I feel completely helpless.
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