I am a victim of identity theft perpetrated, apparently, by my ex-wife. I have sent the following email to Household Credit Services via Planetfeedback.com and sent a copy to the Federal Trade Commission (Fair Credit Reporting Act). I failed to mention in the email that "Capital One" credit card company also had a falsified account under my name and social security number. Capital One has since released me from any debt responsibility for that account.
RE: Account No. 42913702448XXXXXX
I have strongly disputed an attempt to collect on a credit card account that appears to have been opened UNDER MY NAME by my ex-wife. I was originally contacted by Northland Group, a collection agency, and informed that I was delinquent on a credit card account. I called the Northland representative, Kathy Gruett, and disputed the validity of the account. She informed me that the card was issued to an address in Rockport, Texas where my ex-wife once lived. I am including a copy of the letter sent to Ms. Gruett. I am also generously (under the circumstances) removing any information about my ex-wife that may allow another to "steal" her identity as she has mine. The information can be provided to you should you contact my wife or myself at our home.
"Richard J. Sxxxxx
p.O. Box XX (address has changed since the letter was written—please note correct address)
Edna, TX 77964
Tel. 1-361-XXX-XXXX
January 15
Northland Group, Ltd.
Attn: Kathy Gruett
P.O. Box 390857
Edina, MN 55439
RE: Northland Account No.: 385XXXX
Original Account No.: 429137024826XXXX
Dear Ms. Gruett,
Regarding the above account, all charges to this account were made fraudulently and without my knowledge or consent. As per our telephone conversation earlier today, I am certain this account was opened by my ex-wife and that you should be aware that any authorization signature for the receipt and activation of this card was not mine. The information that you provided me regarding the address of record for this account was her former address and I never resided at this address. At the time of the issuance of this card, my ex-wife and I were legally separated pending the final divorce decree. Per the information you provided me, the charges continued well after our divorce. With your assistance, I am requesting copies of the following:
1. A copy of the application for the card with the falsified signature.
2. Copies of charge receipts (with authorization signatures) for items / services acquired under this account.
3. A printout of all activity on this account with service / goods providers' addresses (city & state should be sufficient).
I have no current address for my ex-wife, but can provide you with the following information:
1. Maiden name: Brenda Ann Kaiser
First married name: Brenda Drake
Second married name: Brenda SXXXXX
Third married name: Brenda Payne
2. Social security no.: 449-XX-XXXX
3. Last know active tel. No.: 1-361-XXX-XXX (this is a Rockport, TX exchange)
This matter is of great concern to me and I wish to resolve it as soon as possible. I wish to see this matter to the end and am prepared to prosecute to the fullest extent of the law. Please contact me at your earliest convenience and hopefully, we can put an end to this rubbish and clear my good name.
Best regards,
Richard J. SXXXXX"
Here's what I'd like to see happen: It is my understanding that, according to the "Fair Credit Reporting Act" that once I dispute a credit report in writing that the said account should appear on my credit report with the notation that I have disputed this account's validity. I ran a credit report on myself today and that is not the case. I understand that you "inherited" this account from Pullman Bank, but you should be held accountable for the account's records accuracy. I expect you to contact me immediately so that this account can be removed from my name and from my credit report. I am nearing the point that I feel it is necessary to fight this "theft" anyway I can, including but not limited to, notifying the Texas Attorney General's office.
Thank you for your prompt attention to this matter. I eagerly await your response.
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