Hi all,
About a month and a half ago my GF received a letter from a debt collector for a debt they bought from Capital One (see my post history for more info). She has never had an account with Capital One so we believe this to be identity theft issue where her information was used to open false accounts. We called Capital One but they were unable to help so we had to go directly to the debt collector. We sent a letter requesting debt verification and they sent back a letter with information about the debt including the last four of her social security. The thing is, the address on the initial account with Capital One is completely wrong and she has never lived at the address which leads us to believe this is a case of identity theft.
Given this information, what should our next steps be to dispute and get this debt off her name? The validation of debt doesn't give us any information on how to continue the dispute and the only thing that really matches is her name and last 4 of social. I have included all the documents we have received from the debt collector below for your review if necessary. Should I call the debt collector to straighten this out?
Also one thing to note, we went to annualcreditreport and found that the inquiry from the debt collection agency shows up on her transunion report.
Document 1 - We believe this to be a copy of the initial notification from Capital One that they sold the debt.
Document 2 - Page 1 of debt validation
Document 3 - Page 2 of debt validation
Any help would be much appreciated as I am not too familiar with this process and feel that this is an out of the ordinary debt collections situation because of the identity theft.
Thanks!
EDIT: Thank you everyone for the awesome advice! I expected no less from the fine people here on /pf. It looks like the consensus is to file a police report immediately then use it to dispute the debt. I will be going through this with her immediately! Thanks again!
Submitted August 08, 2018 at 11:51AM by Seandingo https://ift.tt/2vMBIiZ
