AboutMike Weikle Expertise Banking Lender Liability; Insurance Coverage; Consumer Rights; Bank Fraud; Criminal: White
Collar Crime; Fair Debt Collection Practices Act; Directors and Officers Liability
Experience Commissioned National Bank Examiner 7 years; President of Two Community Banks; Division Claims Specialist for American Bankers Association Sponsored Insurance Program; Carter Member of the Bank Fraud Team of the Office of the Comptroler of the Curency "OCC" (National Banjk Examiners); Attorney previously representing FDIC and Resolution Trust Corporation as well as consumers and commercial borrowers in claims against the banking industry; Former Data Processing Systems Examiner for the OCC; Expert Witness on variety of banking issues in both state and federal court.
Education/Credentials Certified Public Accountant;
JD -- West Virginia College of Law - Order of the Coif
Data Processing Training Old Dominion Bank and IBM
Question good afternoon! i believe that either my mother or father opened an account with an electric company under my name and SSN, 5 years ago when i was 15. it now appears that this is on my credit, was never payed or closed. im having trouble disputing this issue, and am wondering if this is even legal? wouldnt i have had to enter into some form of legal contract to open an account with my SSN? shouldnt that contract be null/void since i was a minor? if you can even point me in any direction, it would be quite helpful and Greatly appreciated. thank you sooo very much. have a wonderful day.
-desiree
Answer Hi again Desiree,
In addition to what I said in my prior answer you should write another letter to the electric company and demand they stop reporting false information to the credit reporting agencies as this is not your account, and you never authorized anyone to open this account for you, and they will be liable to you for defamation action if they do not remove it. Tell them also you
were only been 15 years old when the account was supposedly first opened.
cc: a copy of the letter to Michael D. Weikle, Esq.
I practice law and am licensed in Ohio and West Virginia. If this involves another state, I will assist you in your effort to find an attorney in your state who can help you.
