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I received a letter from them collecting a debt. The thing is that I don't know if this is truly my debt. My ex signed my name to some credit cards. I wrote them back and told them to send me something that proved this was my debt. This is even before I knew what a validation request was. Their reply was to send me two forms to fill out. They want a Police report and my social security card???? This doesn't sound cool to me. I was contacted by them in the past for other debts and I'm in a payment plan with them. I'm worried they are just going to keep sending these things. I don't know what to do.

First, pull your credit reports @ and see if there are any other fraudulent accounts reporting. If you are dealing with IDT even if it was your ex, you can file the appropriate paperwork and send it to the CRA's and the CA. Do not send your SS to any CA though

If this is legitimate Identity Theft, then go to and download the IDT Affadavit, fill it out and have it notorized. Check your local PD's website and see if they have an IDT link to tell you where and how to file the report. Once you have the notorized Affadavit and police reports, send them along with proof of ID (DL and SS card w/ first 5 numbers blacked out) and a list of all fraudulent accounts and inquiries to all 3 CRA's CMRRR. By law, if you follow the steps from the FTC, the CRA's must permanently block (not suppress) any account or inquiry associated with IDT. Send the IDT affadavit and police reports to the CA's and OC's reporting on your reports and be done with them. Hang on to all that for the future because you may need to deal with the next CA's(JDB's) to get the accounts.

Sub: #1 posted on Sat, 08/09/2008 - 00:16

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I went to court with these characters. The "counsel" didn't bring ANYTHING with him. They prey on ppl w/ bad credit and hopr to collect an easy default judgment.

Sub: #2 posted on Thu, 09/25/2008 - 08:45


This is regarding somebody took the loan in my name and yr company has served a summons in my name. I have not taken any loan any firm during my stay in New york. Someone used my id and take the loan. In this connection i need yr help.

Sub: #3 posted on Mon, 11/10/2008 - 11:47


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