Legal Question in Consumer Law in Texas
not my credit card
my credit report shows a credit card issued to me by Masy's. I called them and they told me the social security number on the account didn't match mine, but they said I was liable for the balance and the only to remove the card from my report was to pay off the account and close it. What can I do?
2 Answers from Attorneys
Re: not my credit card
Go to the FTC website (ftc.gov) and download the identify theft affidavit, fill it out. Send it with a dispute letter to all three credit reporting agencies. That ought to take care of it. IF it doesn't, contact a consumer lawyer. Send the letters certified mail, return receipt requested.
Re: not my credit card
Don't believe them, for one thing. You need to retain an attorney or find free credit consulting somewhere because you're problems are probably just beginning.
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