Hello,
I have a collections agency claiming I owe money to them because of a contract I signed. The signature on the contract is clearly not mine, but they will not or say they have to investigate the claim. How do I get this claim cleared without damage to my credit and absolve all legal liablity for this claim? I am in the state of Colorado
Send them a certified letter disputing the agreement and stating that it is not your signature. You may be requested to file with them an affidavit for identity theft. Here is more information:
Click this link:
FTC Identity Theft Information and Affidavit
Federal Trade Commission Announces ID Theft Affidavit
New Form Simplifies Process for Thousands of ID Theft Victims
The FTC unveiled a new tool today to assist victims of identity theft restore their good names. The ID Theft Affidavit provides a model form that can be used to report information to many companies, simplifying the process of alerting companies where a new account was opened in the victim's name. Previously, victims of identity theft often had to fill out a separate reporting form for each fraudulent account opened by the identity thief. Developed by the FTC in conjunction with banks, credit grantors and consumer advocates, the ID Theft Affidavit is accepted by participating credit issuers, retailers, banks, and other financial institutions. For a copy of the ID Theft Affidavit, log on to
www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf, or call 1.877.ID.THEFT.
"During 2001, ID theft was the number one consumer fraud complaint received by the FTC," stated Timothy J. Muris, the chairman of the Federal Trade Commission. "ID thieves steal personal information, such as a credit card account number or Social Security number. Then they open up accounts in the victim's name and run up charges on the account, or use the personal information to charge goods and services to the victim. The ID Theft Affidavit simplifies the process of remedying the injury inflicted by identity theft. "
