collection agency mistaken identity
Question: We were contacted by phone regarding an overdue cellular bill. The person they were looking for was in fact not my husband, but another person in the same city as ours with the same name. They had the incorrect address(es), but somehow got our phone number, and his current drivers licence number…and therefore are convinced it is him. We paid the bill to get it off his credit report, now what can we do? We’ve been to the cellular place, first they said they had no record of my husband, so there must be a mistake, now, they are saying no, it is him…..
Answer: It depends how far you want to pursue it. You could go back to the cellular company and demand that the account be removed from your credit report. If they don’t, you could consult a lawyer and pursue legal action against them. That may be very expensive for the amount of money involved.
The other option would be to contact the credit bureau and ask them to put a note on your credit report indicating that the debt is a result of mistaken identity. With proper proof the credit bureau may even remove it from your credit report.