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Identity Theft, Credit Reports, and You

kalzumeus.com

251–260 of 292 posts

Re: Identity Theft, Credit Reports, and You

#251
post #212

Earlier quoted context omitted.

https://www.logicallyfallacious.com/tools/lp/Bo/LogicalFalla... Anyway, if you continue down that path, you will get less religious. Not necessarily a bad thing.

Religious flamewar (which this crosses into) is off topic on HN, so please don't post like this.

Except that you never stop people from attacking certain religions here.

Re: Identity Theft, Credit Reports, and You

#252

Earlier quoted context omitted.

The problem is, what if they hang up? They have an unfair advantage here since they can refuse to consent to your recording, but you can't do the same thing. (I mean, you can, but then they're holding whatever you need to get done hostage.)

Then you make a note of it, and send them a letter (certified, receipt requested).

(a) Are they obligated to handle anything that they would handle over the phone via a letter too? I don't feel like many companies would be willing to do this.

(b) What if they just do all the typical customer service BS on the phone over snail mail? People spend hours or even days with a lot of back-and-forth to get non-routine stuff sorted out... if you do that over snail mail it could easily take many months to do things right. Not exactly practical, especially when you have a deadline coming up and it passes during this back-and-forth mailing.

Re: Identity Theft, Credit Reports, and You

#253

Earlier quoted context omitted.

The problem is, what if they hang up? They have an unfair advantage here since they can refuse to consent to your recording, but you can't do the same thing. (I mean, you can, but then they're holding whatever you need to get done hostage.)

Then you make a note of it, and send them a letter (certified, receipt requested).

Ops Wait

Re: Identity Theft, Credit Reports, and You

#254

Earlier quoted context omitted.

Is the date that the green card was bought recorded by USPS? Basically, how exactly does writing the tracking number within the letter prove that the letter was mailed with that envelope?

Under civil law in the United States, the legal burden is not "irrefutable proof", but "preponderance of evidence". If you produce copies of a letter with a given return receipt number indicated on it, the return receipt stub, and the received receipt, and the opposing party claims that "this could have been faked", then, unless your credibility is otherwise impeached, you have established a preponderance of evidence…

[deleted]

Re: Identity Theft, Credit Reports, and You

#255
post #207

Earlier quoted context omitted.

Due to getting a new cell phone number that apparently once belonged to a deadbeat I know nothing about, I got a large number of debt collector calls. I wish I had a good way to get their address and record who is calling. The only problem is that they all ask for , give me no information about themselves, and hang up right away. I blocked a lot of them, but there's no good way to make that go away.

The federal Telephone Consumer Protection Act (47 USC 227) says that each of these calls is worth $500 minimum in statutory damages -- and may be trebled to $1500 per call if shown to be willful. Assuming you live in the US, this is a great case and you should keep track of the calls.

Wrong! The law only protects actual deadbeats who continue to get calls after they request that they stop.

Re: Identity Theft, Credit Reports, and You

#256
post #239

Earlier quoted context omitted.

Thanks for the video. Curious why they say never to sign the letter.

You don't sign the letter because signatures have a way of magically[0] teleporting themselves onto documents that you've never seen. 0 - Using such fancy Merlin's wands of "Photoshop" or "scanning and then MS Paint copy/paste" or just "photocopy, cut with scissors, paste with tape, photocopy again."

I have always wanted a stamp that physically cuts out a complicated pattern as a signature.

Re: Identity Theft, Credit Reports, and You

#257
post #239

Earlier quoted context omitted.

Thanks for the video. Curious why they say never to sign the letter.

You don't sign the letter because signatures have a way of magically[0] teleporting themselves onto documents that you've never seen. 0 - Using such fancy Merlin's wands of "Photoshop" or "scanning and then MS Paint copy/paste" or just "photocopy, cut with scissors, paste with tape, photocopy again."

That is highly illegal. The FCRA and related laws are enforced by the FTC, CFPB, and debtors' lawyers. However, forgery is a felony in all 50 states. If they forge your signature and mail it to you from another state, it becomes a federal crime. A creditor would have to be really stupid to try something like that.

Re: Identity Theft, Credit Reports, and You

#258

Earlier quoted context omitted.

> YOU SHOULD ALWAYS SEND LETTERS WITH 'USPS RETURN RECEIPT REQUESTED.' (It's the green card you get at the post office and once the recipient receives your letter, you will get a green card in the mail serving as proof of delivery and acceptance.) Also: 1) Get the actual green-card form beforehand; 2) type the green-card serial number above the inside address of the letter; and 3) keep a photocopy. Otherwise the reci…

It sounds like several of you know more than I do about this, so I'm curious... I'm in the habit of using Priority Mail for things like this, because I can print out a mailing label at home and get a tracking number with delivery information. Assuming I put the tracking number in the letter as you suggest, is there still an advantage to using certified mail and a green return receipt instead? Or is Priority Mail equa…

Priority Mail AFAIK doesn't require a signature for receipt. It does provide tracking, but that's less rigorous proof than the actual return receipt.

Re: Identity Theft, Credit Reports, and You

#259

The kalzumeus.com article is informative and accessible, especially if your identity has been stolen. If your identity has not yet been stolen, the NYTimes has an article titled "Equifax's Instructions Are Confusing. Here's What to Do Now." [0] tl;dr: Freeze requests for your credit data at the big 3: Equifax [1], Experian [2], and Transunion [3]. (Note: these services may require multiple attempts, some persistence,…

TransUnion charges $5 to put a security freeze on the account. I cannot believe they are able to get away with this. How does this logic even work?

1. We'll collect all kinds of data on you without you knowing it. 2. Ooops, we've been hacked! 3. Pay us to freeze your account.

How .. what... in what world does this make any sense? How do we go about changing this nonsense?

Re: Identity Theft, Credit Reports, and You

#260

Earlier quoted context omitted.

It sounds like extortion to me. I wouldn't be surprised if the data leak was an intentional move to provide incentive to people to sign up for their credit monitoring services or unfreeze fees.

When a company "pulls" your credit they are not given the report for free. Equifax and the like sell a credit reporting service to banks and other companies who would want to see your credit history. When you freeze your report, reporting agencies are not allowed to sell your report to anyone, at your request, meaning they are losing revenue. The freeze fee makes sense when you realize your report is the product they…

That doesn't justify it.
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