In all fairness the company did not 'rip me off'. What they did is worse.
My husband and I are trying to move to another state and buy a house. The loan company we were working through ran our credit report, as is normal to do. The report came back with 3 items totalling $1000.00 from 1997 and 1998 that I had no idea what they were.
I contacted the first company - 7th Avenue, and was told that the account was in my brother's name and address but my social security number. They told me that I needed to get a notarized letter from my brother stating this was his debt and that I needed to contact the 3 different collection agencies to get this resolved.
I called my brother and he told me this was his debt and it was his order and also on his credit report as it should be. He did not order in my name or my social (which he doesn't know anyway).
My brother faxed me his credit report and sure enough there were the same exact 3 items. He told me that they are all owned by the same parent company - Swiss Colony.
I called back 7th Avenue and asked how my social security number could be used for his account. I was told by Beth that sometimes when 2 people live in the same house this happens. She told me that this happened to her with her daughter. She acted like it was no big deal.
This is ridiculous! They have no right to use my social when someone else in my household orders things from their catalog.
I have already filed a report with the FTC and am faxing a letter of complaint to the president of their company. My brother is writing a notarized letter to send to the company stating this is his debt.
As far as I am concerned this is fraud or identity theft on their part.
I am now having to use my time and efforts to fix their mistake.in the meantime our loan was declined and we have already sold our house and cannot get a loan to move into a new one.
If anyone reading this can give me some information as to what other avenues I can take, I would greatly appreciate it!
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