Expert: Chris Ebert - 1/9/2010

Question
In 2006, 17 months after I moved out, my ex boyfriend's mother used my name and social security number to open several utility accounts without my permission or knowledge at her residence in MA. I disputed the accounts with all of the companies, and as of today, only one company refuses to dispute the account - Verizon. I mailed them all of the necessary documents, the same exact documents I mailed the other companies, but they will not accept them. They say that according to FTC guidelines, they can only accept a utility bill to verify my correct address at the time the fraudulent account was opened. In 2006, when the account was opened, I lived with my mother in GA. The bills were in her name and because I was a single mother with a very low income, I could not afford to be billed for any services. Because of this, Verizon says I am liable for the bill.

They will not accept documents from my employer at the time, or loan documents from the school I attended in 2006. They said they would possibly consider my transcripts, but because I am still in debt to the school, I haven't received my transcripts yet. I have sent them copies of the police report, FTC Identity Theft Affidavit and a notarized statement from my mom verifying the time period that I lived with her. These documents, along with others, have been deemed insufficient.

There were 2 accounts, one closed in 11/2006, with $1470 owed and another closed in 2/2007, with $323 owed. I mailed them a copy of the first page of my lease, which I signed in 1/2007 and a bill summary from that same apartment and year. This verified my correct address for the 2007 account, which was at first accepted and I assumed that atleast this account would be cleared. But because I do not have the same information for 2006, they will not dispute that account. Now a supervisor is telling me they need a notarized copy of the complete 2007 lease and a different type of statement from the utility company. Ga Power says they do not keep info on accounts that old.

My life is on hold because of this issue. I'm getting married this year, I want to change my name and go into business for myself later this year, and we plan on buying a house next year. I need to resolve this matter and begin repairing my credit but Verizon is holding me back. What can I do?

Answer
Tresa,

I have dealt with Verizon several times regarding a similar issue. To me, it seems that you have done everything within reason to take care of this yourself. Unfortunately, other than trying to contact executives at Verizon you may have to pursue legal action. You can contact a local attorney by going to www.naca.net or by contact me at (214) 552-6647.

Chris Ebert
http://www.henleycreditlaw.com