Not sure if this is the right place for this or not, but hoping you all can offer me some advice. Sorry for the wall of text, but want to make sure I explain the situation thoroughly.
About 5 years ago my identity was stolen. An address was added to my credit report, multiple credit cards opened in my name, and 1 loan was taken out for around $3500.
I filed a police report and went to work getting everything closed out and off my credit report. Everything was pretty easy except for the loan that was taken out. The company seemed somewhat sketchy right off the bat and not only did they give me a hard time closing the account despite having all the proper documentation of identity theft but they would start taking down information from me saying they were going to close the account and then right at the end say "so how do you plan to catch up on the payments".
Eventually I was able to get the account closed and everything removed from my credit report, or so I thought. Yesterday I received a call from a collection agency trying to confirm who I was with that fake address that was added to my credit report and when I said I've never lived at that address (at this point I hadn't realized who I was talking to) they sent me over to an "account representative"
I explained that I was a victim of identity theft and am not responsible for the debt and long story short, the collection agency wants me to send them all of my documentation about the identity theft to prove I'm not responsible. I said I won't be doing anything at the moment so I don't accidentally make myself responsible (they got a bit snippy after I said that), took down their contact info, and hung up.
I've gone through my credit report on credit karma and can't find any traces of this loan on there, no negative remarks, no missed payments or anything related to this.
So my question is, since it's not on my credit report can I just ignore them? If not is it a good idea to send them the police report stating that I was a victim of identity theft?
I appreciate any advice you all have, thanks.
Submitted October 03, 2020 at 08:34PM by Cobalt190br https://ift.tt/36rgECF
