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Green Room - Week 16 - Day 3

I always tell people "Don't be me". Because being me is a horrible thing and no one should have to go through that.

Apparently, there was someone who wasn't listening.

Which is why I'm now going through the process of filing an Identity Fraud report.

Someone got my information and tried to open up a Sears account. Which is why it's pretty clear that these people are idiots: (1) Last time I checked, Sears was in pretty bad shape financially and more importantly (2) I haven't had a credit card in so long that now I have "insufficient credit". Which isn't anything to brag about - but in this case it did end up helping me because their attempt was denied and I received the notice in the mail.

Because I didn't know - here are some things to do if that happens to yo (Note: If you are not in the US, do something else) Contact one of "The Big 3" credit reporting companies: Experian, TransUnion and Equifax to report it. Contacting one of them for a credit freeze will contact them all. Order a free copy of your credit report. You will need it. annualcreditreport.com

Go to the Federal Trade Commission's Id theft site https://www.identitytheft.gov/ and file a statement with them as well. That statement can *then* be used to file a police report (I found out this morning that there was a step that no one told me). Then set up an appointment to speak to a Fraud CSO at your local police department.

Once you have a police report on the incident, you can place a 7-year free-of-charge freeze/watch on your credit. (so that anyone trying to use it will trigger them contacting you to make sure it's actually you before issuing it)

The next step is, of course, tracking down the criminal and beating them to death with a baseball bat. That's called the Negan Fraud Protection Plan.

The upshot of all of this, is, as always: Don't Be Me.

Instead, Be You and write something for this week's topic: http://therealljidol.livejournal.com/1007141.html

Comments

( 14 comments — Leave a comment )
banana_galaxy
Apr. 26th, 2017 02:18 pm (UTC)
Wow, Gary, I'm sorry that happened to you and you had to deal with it.
messygorgeous
Apr. 26th, 2017 02:22 pm (UTC)
That SUCKS!!

We had a credit card number stolen a few weeks ago. Luckily, we get messages every time we buy something with the card and knew immediately that we hadn't spent $500 on an online photography website!

People can be such bastards. So little honor left. I'm shaking my head.

adoptedwriter
Apr. 26th, 2017 03:02 pm (UTC)

Aw man! That absolutely sucks!

beeker121
Apr. 26th, 2017 03:14 pm (UTC)
Ugh, what a pain. Luckily you caught it early.

For anyone interested you can actually get your credit report even without fraud issues (if I remember correctly each of the big three will send you one free a year). I used to be really conscientious about checking them regularly at a time when I was closing all of my store cards and wanted to make sure that they were actually closed. It's also fascinating to see what's there.
dmousey
Apr. 26th, 2017 03:37 pm (UTC)
Geez Gary, that just sucks. It can only get better from here though right? Good thing you have insufficient credit as I do. Could have been devastating. Here's to hoping your day gets better! Peace~~~
swirlsofblue
Apr. 26th, 2017 04:06 pm (UTC)
*Hugs* Sorry that happened to you
ellakite
Apr. 26th, 2017 04:28 pm (UTC)
Sorry to hear about this, Gary. Sadly, I've had my credit card number stolen a few times myself, so I know it's never fun. Further, one time someone changed my long-distance telephone service and then placed over two dozen international calls, billing it to my home account. Fortunately I was able to prove to the phone company that I was not responsible, so I didn't pay a dime... but I also contacted all 3 US "credit services" to keep an eye on my accounts for a year, in case those bozos tried to set up any credit cards in my name. *THAT* didn't happen, thank goodness... but I know how scary it felt worrying about how my reputation might be tarnished by the incident.

Again, sorry you have to go through such crap.
penpusher
Apr. 26th, 2017 04:40 pm (UTC)
Well, that sucks. At least there is a minimum of cost which is the big positive. Here's hoping the responsible (irresponsible?) parties get their, not your, due.

Edited at 2017-04-26 04:41 pm (UTC)
murielle
Apr. 26th, 2017 05:56 pm (UTC)
Gary I am so sorry. This just keeps happening more and more these days. Glad you were able to catch it w/o any damage, and thank you for sharing all the info should it happen to one of us.
bewize
Apr. 26th, 2017 07:18 pm (UTC)
I highly encourage people to sign up for Credit Karma. It's free and it helps you keep track of your credit by letting you know about all accounts you have open, closed, or overdue.
halfshellvenus
Apr. 26th, 2017 08:09 pm (UTC)
What a pain in the a$$! I'm sorry you're dealing with that, and I hope you escape unscathed apart from the hassle.

hwango
Apr. 26th, 2017 09:03 pm (UTC)
I concur with everyone else - that's awful.
fodschwazzle
Apr. 26th, 2017 10:16 pm (UTC)
That happened to me earlier this year, except they succeeded and rang up about 3000 in purchases on several different cards. FYI USBank will try to convince you that you're responsible for those, so maybe never give them your business ever. My credit is still bouncing back from all of it. They did eventually close the accounts and remove my burden.

The manager at the first USBank branch I talked to was like "wow, I've never seen this happen before." Like, WTF do you think identity theft is? This is your job. (Bloodcurdling internal screaming.)

Edited at 2017-04-26 10:17 pm (UTC)
ellakite
Apr. 27th, 2017 02:43 am (UTC)
Any LJIers out there with a Bye to spare?
I just couldn't come up with an idea that I was happy with this week, and I just had some personal stuff come up that I *MUST* deal with in the next 24 hours, so even if I had an idea I have no time to write it... and I'm out of byes.

If a fellow LJIer is willing to give up one of their Byes for me, that would be great. If you are someone like that, e-mail Gary and let him know that you're giving up one of your Byes for me... and thank you.
( 14 comments — Leave a comment )

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