Fraudulent accounts - How do I get rid of them???

What is the name of your state? Ohio


Some time ago, almost a year ago, I posted a thread about an account with SBC Ameritech which had been opened by someone who had used my name and SSN. The address provided on the account was somewhere in Cleveland. All my life I have lived in the Warren, OH area, and can prove this with paycheck stubs. I would imagint that the IRS has records of everywhere I lived also.

Ladynred was kind enough to offer advice that I took. Following the instructions I got the 3 CRA's to remove the account and any references to it from my record.

Today I got a letter in the mail from "CFC Financial LLC" welcoming me as a new customer because they had purchased my account from SBC Ameritech. Now I'm getting tired of this crap. What must I do to get SBC to accept the fact that they gave their products/services to a crook using my name and that I do not owe them anything. I really need advice as to what I should do now?

The letter from CFC states that if I write them a letter stating that I dispute the debt that they will obtain verification of the debt or copy of judgment from the debt. If they cannot get verification, I assume that they have to drop it. I also assume that SBC will juts sell the debt to someone else.

How do I make them cease and desist permanently?

[bigun]

Follow these instructions from the FTC. The only thing I'd suggest adding would be to send all correspondence CRRR and keep the copies and the green card forever.

[url]http://www.consumer.gov/idtheft/[/url]

I got a coy of my "merged" three bureau credit report. EFX (Equifax) shows the delinquent account from "CITYFIN" which would be the collection agency that SBC sold the account to (CFC Financial LLC). I have copies of the letter that I sent to Equifax the last time this account was on my report and copies of their response ( removal of the account from my report ). But here they have it listed again, the only difference being the collection agency. This is the second time they have listed it within the same year. Do I have grounds to sue Equifax for continuing to post an account they could not verify?

I also have copies of all the letters I sent to Experian and TransUnion. They have not listed the account this time. I also have copies of the letter I sent to Ameritech disputing the account. Ameritech never responded to my letter.

I am sending letters to Equifax, CFC Financial LLC, and Ameritech. Is that the right thing to do, or should I quit wasting time and get a lawer at this point?

Thanks!

[bigun]

I'd try another round of letters sent CRRR and place them on notice this is not your account.
Then, go see a lawyer.