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Tar Devil
02-28-2006, 09:38 AM
I'm getting ready to learn all about it. :(

Later,

Phil

jack grebe
02-28-2006, 09:39 AM
good luck :(

htom
02-28-2006, 10:02 AM
Best of luck, Phil. This is going to be a grueling couple of months, at a minimum. Call all three financial reporting services immeadiately.

PatCox
02-28-2006, 10:02 AM
There is no such thing as identity theft. The problem is credit fraud and bank fraud and credit fraud, people pretending to be someone else so they can get money or credit from a bank or lender.

If they pretend to be you, they don't get your money. Thats the banks problem or the lenders problem, under the law.

It affects your credit, but thats because the credit reporting agencies make it very very hard for you to correct a false credit report, and this is because federal law allows it, federal law immunizes credit reporting agencies from liability for spreading false information about you, and immunizes banks and lenders who provide the false information to the credit reporting agency. The law makes you spin your wheels going through red tape to correct the false information, instead of simply requiring the bank or lender who made the incorrect report to do it.

So, we have a problem in our society of negligent banks and lenders who give money and loans to people sight unseen without properly verifying their identity. And then they compound the error by making false reports to the credit reporting agencies. But current law protects the negligent lenders and banks and credit reporting agencies, and pushes all the onus of clearing up the mess on you.

And the law is perpetuated in this state by the fiction, the spin, of calling it "identity theft" and telling you that you are responsible for protecting yourself.

Because once again, the easiest way to prevent it would be to require banks and lenders to verify ID before they loan money, and to require them to fix your credit when the falsely report information about you. But they won't, and they continue to send credit cards in the mail sight unseen.

The finanncial industry owns DC.

uncas
02-28-2006, 11:02 AM
Pat...you made some interesting points...and I know where you are coming from...but Identy Theft is real...I mean...someone STEALS your identification(s)....that is theft...
In someways we...are to blame...we don't watch our own wallets...
Case in point...The other day...took Ceilidh in for well a check up...shots etc...Was given a form to fill out...as where I took her will be her perm. vet...and for establishing a health history...Anyway...filled out the form...One blank asked for my SS No...I did not fill it in..
Often people do such things without really thinking about it.
How many out there have their SS card in their wallets? Even when there is a warning on the card...telling cardholders not to people do...

Tar Devil
02-28-2006, 02:16 PM
Taken care of. Turns out a Ms. Holloman (sp) from United Collection Bureau thought she could get $554.07 from me for a Verizon bill my eldest son (by my previous marriage) owes. Somehow my name showed up in his credit report, she crossed referenced it to get my SS#, then told me my son not only used my name and SS# to get this Verizon account, but was also using it all over the town where he lives to establish credit. She said the account was my responsibility, was on my credit history, and my only choices were to pay the bill or file charges against my son. Then she said, in her sweet little voice, "Now, I know you don't want to do something like that to your son, do you?"

I got the straight facts from Verizon and Ms. Hollomon's boss today. Verified my credit report was clean. Warned Verizon they need to take care who does their collecting. Warned Ms. Hollomon's boss they need to shed an employee and change tactics.

An agonizing night for all. Thankful, though, it turned out for the good.

Later,

Phil

[ 02-28-2006, 02:18 PM: Message edited by: Tar Devil ]

High C
02-28-2006, 02:22 PM
Well done, Phil!

uncas
02-28-2006, 02:22 PM
Phil...hope she was fired on the spot...or better yet..prosecuted....

Tar Devil
02-28-2006, 02:33 PM
Originally posted by uncas:
yet..prosecuted....I told her boss the possibility hasn't been ruled out.

uncas
02-28-2006, 02:35 PM
Good...and have it placed on the front page of every local paper.....
Don't let Verizon hide the fact that she tried...and almost succeeded in stealing your identity for her own gains...

[ 02-28-2006, 02:38 PM: Message edited by: uncas ]

Gresham CA
02-28-2006, 02:40 PM
Good job Phil!

Alan D. Hyde
02-28-2006, 02:43 PM
Well done, Phil.

VERY well done.

Congratulations.

Alan

P.S.

Phil, get paid for your time and trouble--- tell Mrs. Holloman (sp?) that for $1,000 (or what you like) immediate settlement, you'll not file suit against her...

[ 02-28-2006, 02:45 PM: Message edited by: Alan D. Hyde ]

uncas
02-28-2006, 02:48 PM
Alan...that would be blackmail...not a good idea...
I am in the same position over a dinghy and new engine...never been used... I sold...well...agreed to sell to a guy...who has yet to pay...I have told him in writing that I want to settle up...that the money is owed...but as soon as I mention lawsuit...it is a threat..
I have been warned about this...ya don't want to go there...if the case goes to court...

[ 02-28-2006, 02:49 PM: Message edited by: uncas ]

Tar Devil
02-28-2006, 02:52 PM
Originally posted by Norman Bernstein:
</font><blockquote>quote:</font><hr /> Phil, get paid for your time and trouble--- tell Mrs. Holloman (sp?) that for $1,000 (or what you like) immediate settlement, you'll not file suit against her...
Alan, I'm shocked, SHOCKED, that you of all people would advocate such a thing! :D </font>[/QUOTE]I'm just shocked the figure is so low! :D

Later,

Phil

Meerkat
02-28-2006, 09:06 PM
A statement of intent to file a lawsuit is not a threat. Bill collectors do it all the time, in writing. Typical is "If you do not settle this matter at once, we will be forced to institute legal proceeding against you..."

An offer to settle in lieu of a lawsuit might be construed as extortion...

Bob Cleek
02-28-2006, 09:17 PM
Yes, an offer to settle rather than proceeding with CRIMINAL charges IS extortion and a crime in itself.

"Identity theft" is probably one of the biggest boondoggles presently played on the American public. Pat is right. The credit card companies make billions on credit card debt. Enough that they can absorb fraud and bankruptcies (which those of us who pay our bills pay for!). They have tried to limit it by creating this FEAR in the public's mind that somebody is going to steal their identity.

Here's what happens when somebody uses a fraudulent credit card number...

I gave my kid the credit card number to pay her college tuition. They have kids working in the office on "work study." Obviously, somebody snagged the credit card info and passed (sold?) it to a buddy who ran up about $300 in porno website charges, which showed up on my bill the next month. I called the credit card company's 800 number and told them, "Hey, I didn't incur these charges and I'm not paying for them." I was then told, "Well, a lot of times children in the family use cards for these sites and you are liable for paying the charges."

I replied, "You send me a RECEIPT with my signature on it and I'll pay the bill. Otherwise, take it off the bill immediately. And issue me a new card while you're at it."

I got a call the next day. "The charges have been removed from your account. Your new card is being Fed Ex'ed to you today. Sorry for your inconvenience."

Fact is, THE RETAILER (or whomever) takes the risk when they do business over the phone or net with credit cards. If the bill cannot be substantiated, they are stuck with the cost, not the credit card company. Lots of them are willing to take the risk, since on balance they make a profit anyway.

"Identity theft" is THEIR PROBLEM, not ours. Nobody can steal your signature. If they don't have it, they don't have diddly! You can sleep well knowing that, I hope. Fear not! :D

Meerkat
02-28-2006, 09:20 PM
Originally posted by Bob Cleek:
Yes, an offer to settle rather than proceeding with CRIMINAL charges IS extortion and a crime in itself.

What about a CIVIL complaint?