PANICED:victim of credit default

ice2011

HI. I am very paniced and scared that I become a victim of credit default. I am very upset and please advice me what should I get out of this situation.

I received letters from debtor X telling they bought my debt from other Y company and asked me to make payment. But I have no knowledge of X and Y before then I check my credit report. Then I found 4 defaults(8) on account information section since last few years ago, which I do not know anything about these companies including X, and account information section also show Y company but it is settle and statisifactory which i don't know as well. Plus link address also showed that there were 3 address that I hadn't lived there before. Why it happened on me ??

Then I phone credit report company and tell them ,they said they will contact the single default company and do INVESTIGATION. It might take 10 days and get back to me.

What should I do now? Should I go to headquater police station and report it to them with my credit report???

i am concerning if credit report company work out that i am a victim of credit fauld, will they remore my default????

Any advice please.

ice2011

Any advices?

RAS

I am afraid your post make no sense.

Please can you list the companies for which you have defaults, and company X and Y?

Also whether you accept that you opened the accounts listed on your credit report.

ice2011

RAS wrote: »

I am afraid your post make no sense.

Please can you list the companies for which you have defaults, and company X and Y?

Also whether you accept that you opened the accounts listed on your credit report.

sorry for i did not stated company names.

I did not open the account on every single default as I have no knowledge about these default companies.

RAS

These are not default companies.

The four records on your credit record are companies who lent you money, in one way or another.

Who are they? Did you open accounts with them?

Nottoobadyet

If you do not recognize the accounts, then yes it is identity theft and you should contact the police and the fraud departments of the respective companies. If you did open these accounts, its a different story.

ice2011

RAS wrote: »

These are not default companies.

The four records on your credit record are companies who lent you money, in one way or another.

Who are they? Did you open accounts with them?

Those four default were done by debtor collection companies, X is one of them. Y is a online order website. Although I did not open any of them including direct sale Y, but Y is on my report account information section and 4 default were make. and 3 link address i never lived there before.

ice2011

Nottoobadyet wrote: »

If you do not recognize the accounts, then yes it is identity theft and you should contact the police and the fraud departments of the respective companies. If you did open these accounts, its a different story.

thanks.
yes. i am going to contact police and show them my detail against my credit report.

Those four default were done by debtor collection companies, X is one of them. Y is a online order website. Although I did not open any of them including direct sale company Y, but Y is on my report account information section and stated settled with satisifactory. and 4 default were made there. there are 3 link address i never lived there before.

ice2011

i am concerning if credit report company work out that i am a victim of credit fauld, will they remore my default????

thechippy

If identity theft is proven, then there should be no problem having the defaults removed.....;)

ice2011

thechippy wrote: »

If identity theft is proven, then there should be no problem having the defaults removed.....;)

Thanks. I hope so.

Do you think will police work if i report to them?