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"Unmasking Unwanted Fraud in Credit Report: Protecting Your Financial Identity"

Updated: Feb 19

Your credit report is like a financial fingerprint, showcasing your history of borrowing and repaying money. However, this digital document isn't just about you – it's also susceptible to fraudulent activities that can wreak havoc on your financial well-being. In this blog, we'll delve into the unsettling world of fraud, uncovering how it can affect unsuspecting clients and exploring the steps you can take to rectify the damage.

A client of ours received an email from a service provider informing him of an unpaid debt. There are no contracts or unpaid bills that he is aware of. He then requested a wet signature of an agreement from the service provider company so that he could come up with a plan to pay for the service. If it is shown that he truly owes money or has fallen behind on payments, he will also offer to pay. He has no idea who is sending this to him or why.

The customer service team of the service provider then responded with this.

"Thank you for reaching out to us about your account. Attached please find for your review supporting documentation concerning the debt. If your questions concerning this debt have been resolved, you may visit our website to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. This is an attempt to collect debt. Any information obtained will be used for that purpose. This communication is from a debt collector".

This picture below is taken from his credit report.

Having dug in. He learned that it was a scam. He claims that he has never lived in Georgia. The account is bogus. He is a Louisiana resident. He has never done any business or had any equipment with this service provider. Afterwards he requested to file a dispute. He can prove that he resides in Louisiana with the use of documents and other paperwork. Whatever this organization wants, he can deliver. He never bought any equipment or anything else. He has been an educator for the past 17 years. He requires immediate assistance on the best method of action to assert this as fraudulent.

and here's the latest update on his case. The balance already showing $0 charge on 3 credit bureaus but we're still waiting for it to be successfully remove on his report.

***Stay tuned for the latest update***

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