I just received a bill from a collection agency. Its from a cell phone company. Cingular. Apparantly, they got the name and some how the Social Security number right as well but the billing address, phone number, everything else is wrong. Obvioulsy, some one use my name and my social security number to open a Cingular account and now I have a bill to pay for something I was never awared off.
1. How can I report this as a fraud.
2. Anyway I can get my money back
3. Can I put this info on my credit report if necessary
Thank You.
2007-05-29 08:17:40 · 2 answers · asked by Confused 1 in Business & Finance ➔ Credit
You have every right to correct such a fraudulent transaction. Call Cingular and explain what has occurred, and ask for a copy of the signed service contract. I believe Cingular has a fraud control division, and you may be able to get guidance from them.
It may take persistence and patience to get this resolved, but there is no way it should legitimately show up on your credit report, since you are not involved with this transaction in any fashion other than fraud.
2007-05-29 08:23:42 · answer #1 · answered by acermill 7 · 0⤊ 0⤋
Start by contacting Cingular and make sure this isn't just a billing foul up with a collection agency; it happens. You will also need them to start a fraud investigation on the phone in question; and you will probably need the info they give you for a police report. You can dispute that by contacting the credit bureau and having them send you the forms to dispute a statement.
2007-05-29 08:22:50 · answer #2 · answered by wizjp 7 · 1⤊ 0⤋