I had two items on my credit report that were not mine
I contacted the first company claiming I owed them Anchor Receivable Management, and I was informed that I owed for a credit card account with Capital One for over $1800, second was a account with Aspire credit card, now under CompuCredit for $679, I knew these items were errors, and contacted Capital One and the customer service agent checked the system for any new or old files and sure enough, No such account, I disputed the matter with Equifax, (If you want this service you have to purchase with Equifax in order to check your report with one or all three credit bureaus) next, I contacted Aspire, the customer service agent was really rude and kept repeating for me to contact CompuCredit, she could not assist me, due to the account being closed, I found this to be odd, you should have some file information, she stated CompuCredit had the file now, they can assist you, not me! OK, I'm trying to be professional about this matter, it's a simple error that can be fixed? Well, CompuCredit informed me in order to get any information on this file, I would need to fax or mail them asking for any and all information pertaining to this account, I did just that I faxed and mailed a letter requesting this information, not thinking I should do a return receipt, well after 45 days and no contact from them I disputed the information with Equifax and Experian and they gave them information stating that I verified this account on June 11 that this account was mine,
I contacted Equifax and Experian, not so fast, I did not verify this account I only contacted them in order to get validating information such as the original signed contract/application on this account and all account history transactions, I in NO Way stated this was my account!!! Now CompuCredit has sold the account to LVNV Funding for which all of these companies are linked to one another, I'm in the process of filing a police report for fraud which I was told I have two weeks to do so and I filed a report with www.ftc. Gov, under the ID Theft Report and I also filed a report with www.BBB.org, Better Business Bureau, I will contact who ever and when ever to get this matter off of my credit which of course shows negative on my file, this company is bad, please beware!!!:- (
And I never even signed up for a credit card with them!!!
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