Identity Theft - Robinson and Henry

I was a victim of identity theft about 10 years ago. At that time a collection agency came after me. Once they investigated they also said it was identity theft. About 4 or 5 years later another collection agency came after me for the same claim, they too investigated and they too came away with identity theft. Today I checked my credit report and a new collection agency posted a late payment/collection notice on my account stating it was from November 2020. What rights do I have? I have filed a claim through the credit agency? Why does this keep happening every 4-5 years?

The information provided is for general information and does not form an attorney-client relationship. See our .

Bill HenryFounding Partner | 18 years of experience

Bill HenryFounding Partner 18 years of experience

Unfortunately identity theft can have a lasting impact on your credit. This will likely continue to happen as the debt is sold off from one agency to another. You can have a standing letter on file with the credit bureaus regarding the debt, but it won't do much with regard to the reporting aspect. You can always try to sue under the Fair Credit Reporting Act, but proving or disproving identity theft is somewhat difficult and expensive. One sure way to get this cleared entirely is to file a bankruptcy and then no one can report on the debt at any time in the future, however if that is the only issue it may not be worth going down that route. You can call and have a free case assessment to discuss options!

Related questions

Apr 5, 2024

Bankruptcy

I am an 80yr (low income) woman and have good credit, yet live SS to SS payment in my home that I own (yet still making payments). I was involved in an parking lot car accident where a minor injury turned into a death of another older person. The criminal phase is over, yet the deceased lawyers have now filed a claim for ~$400k for wrongful death. Can I (or should I) file for Chapter 7 now to protect my home (I am within the homestead limit) or do I need to wait for the lawyers to actually file the lawsuit?See answer

Mar 20, 2024

Bankruptcy

We purchased a tiny home from a company and paid in full a little less than 20k in Jan 2021, we were provided updates overtime that they were building the house and sending us pictures and updates and it was custom made to our design specs. We were waiting on them to finish getting a RV certification but they said they finished our home and were going to deliver it, then suddenly we were ghosted and never heard from them again when we attempted to inquire about the certification and delivery until they mailed a bankruptcy letter. Later we saw on their youtube channel that they had sold our custom house for $45,000 more than double what they sold it to us for, but they never told us they were selling it nor offered us any kind of refund on the money we had paid for the custom tiny home. After they had already sold the home then they decided to file Chapter 11 bankruptcy months later and so we were unable to get our original money invested back nor the tiny home we purchased. Would this case qualify for a Deceptive sales practices lawsuit or a criminal case? We are not the only ones they scammed but we are one of maybe 2 or 3 people who they took money from and who actually had houses they had finished like ours and were sold out from under them prior to them filing bankruptcy with no notification that they were going to try and sell or any refund given. Most people they took money from they hadn't started building the houses yet so there wasn't a complete product, unlike ours. Is there anything we can do? Since they sold our house prior to the filing of bankruptcy?See answer

Sep 12, 2023

Bankruptcy

Would we need to travel to wherever you are?See answer

Disclaimer

The response provided is based on the available information and is not intended to constitute a comprehensive answer to the inquiry. The only manner to obtain complete and adequate legal advice is to consult with an attorney. Please be advised that no communication, including Q&A postings, through this website establishes an attorney-client privilege, and such exchanges do not create an attorney-client relationship and will not be treated as confidential. The information presented is general information only and should not be relied upon to take, or fail to take, legal action.

Didn’t find what you were looking for?