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Wednesday, November 23, 2011

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You are here: Home / identity theft cases / Identity Theft/Won Arbitration/How to get off my credit report?
Identity Theft/Won Arbitration/How to get off my credit report?

May 23, 2010 by  
Filed under identity theft cases

3 Comments

In 2004 I found a charge on a MBNA credit card of over 16,000 on my credit report.It was not mine.I contacted the CC reporting companies. They said MBNA said it was mine.
I contacted MBNA.They had no information on me at all, I called and called. (The short of it, was it belongs to someone else with almost my same name in another state). MBNA crossed out that persons name and put mine.Anyway to make this short, they asked if I wanted to take this to Arbitration, I said yes.I won the arbitration case.Then MBNA was bought by Bank of America who then tried to open this case up in The National Arbitration Forum, however, again I won that case and The National Arbitration Forum said it would not open this back up and the order stands.However, my problem is, I can’t get this off my credit report.I wrote MBNA/Bank of America and they will not take this off. What can I do? How can I get this off? Any advice would help as I am frustrated.

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Comments 3 Responses to “Identity Theft/Won Arbitration/How to get off my credit report?”
  1. sher9441 says:
    May 23, 2010 at 4:31 am

    Call 1-800-685-1111(Equifax) and get a free credit report. They will help you dispute this since it’s next to impossible to do it alone. Identity theft is the most common crime in this country, so you may want to put a fraud alert on your credit report when you get it fixed. You also have 100 words or less to put what happened on your credit report so your creditors will get to look at and decide if you’re credit worthy. Good luck

  2. Sadie says:
    May 23, 2010 at 5:15 am

    Good luck with that! I am trying to remove identity theft charges with a BoA card as well and they’re being ridiculous! Make sure you document EVERYTHING. Call and speak to as high up as you can. Why do they say they won’t take it off? Write down who you speak to and when. It will come off, you just have to stay on their butts about it.

  3. Studly says:
    May 23, 2010 at 5:20 am

    I know a lawyer who would love to talk to you.

    If you have all of the letters and documentation detailing that this was not your debt, that MBNA/BOA know this isn’t your debt, you have an extremely good case.

    Recently, a huge collection agency lost a $100k lawsuit because they repeatedly placed a bad credit item on someone’s report, after repeatedly being ordered not to. Amazing case.

    In your case, not only will you get the $1000 FDCA and FCRA awards, but very likely some punitive damages. You need to sue.

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