What should I do if a debt collector contacts me about fraudulent accounts that weren’t paid?

Debt collectors may contact you if an identity thief opens accounts in your name but doesn’t pay the bills. To stop contact and collection action, contact the debt collector, the business that opened the fraudulent account, and the credit reporting companies.

You should write to the debt collector within 30 days after you receive a written notice of the debt and explain that you are a victim of identity theft and don’t owe the debt. Include copies of your police report, Identity Theft report and any other documents that detail the identity theft. The collector must suspend collection efforts until they send you written verification of the debt. If the collector works for another company, they must tell the other company you are an identity theft victim.

Also contact the business where the fraudulent account was opened to explain that this is not your debt and ask for information about the transactions that created the debt. The business must give you details about the transaction if you ask. Then contact TransUnion to take steps to have the fraudulent information blocked from your credit report and to stop a business from selling or transferring a debt collection.

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