Ok so someone stole my identity almost 2 years ago. I put a fraud alert on my credit which requires that I get a phone call to authorize any credit inquiries and have not had any issues since resolving all of the issues last year. Now, I get a phone call 2 days ago telling me that I owe 00 for a Payday loan taken out in my name. They were really rude to me and obviously think I am a scammer when really I have once again been scammed. Anyways, here are the reasons I am confused as to how this could happen:
*Payday loan taken out over a website, not in person
*They listed my address in Florida
*They used a bank account which deposit was made to was not in my name
*The bank account they used is in Michigan
*The bank account contact info and home address as well as my name do not match
*They did not check my credit for a payday loan
*They are threatening to report it on my credit report in 5 business days if I haven’t overnight mailed a police report to them
So how can I be pushed into a corner over this?! I am furious. I’ve already filed a report with the FTC, made a police report, and I’ve done everything I’ve been told to do. But these people are demanding that I buy a copy of my police report to send to them (It costs at my local police station) and then pay to have it overnighted. If I don’t do this today they are saying they’re gonna report it to my credit in a couple days. It seems to me that being so careless on who they give money to should be illegal…is it? How can you let someone take out a payday loan and put it in someone elses bank account, and on top of it, its all online so theres no way to verify identity through picture ID. I’ve told them I am mailing the legal FTC affidavit tomorrow but they say thats not good enough.
Second issue is, these people have been torturing me for 2 years. They racked up a decent amount of damage 2 years ago, then last year I found out they "piggybacked" to use my credit by taking out a new home cable-internet-phone service in my name. It slipped though the cracks because I already had that service provider. So they didn’t have to run my credit that time either. And now they are taking out Payday loans in my name which don’t require a credit check. So how will this ever end? They could do this to me forever it seems like And I am trying to get a job at a bank but I would be denied based on poor credit over this. It’s really draining me of energy and I just feel like giving up What should I do?
P.S. The logical thing to do would be to ask the police for help, right? Well only if the police were willing to help, which they are not