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identity theft

Has anyone else experienced or learned about a theft of their identity since being in Geneva?  


Basically, today I learned that there is a colection agency after me in the US about a wireless account that was fraudulently opened in my name (it was apparently opened back in 2010, when I was still iving in the US).  


Normally, one of the first steps to take is to file a police report.  However that must be done in person and since I'm now here inGeneva... I'm a bit stuck.  Has anyone else experienced this?  Can I just get a report filed at the Geneva police station?  Although I'm afraid it will be in French so I'm not sure what good that will do me...

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Has anyone else experienced or learned about a theft of their identity since being in Geneva?  


Basically, today I learned that there is a colection agency after me in the US about a wireless account that was fraudulently opened in my name (it was apparently opened back in 2010, when I was still iving in the US).  


Normally, one of the first steps to take is to file a police report.  However that must be done in person and since I'm now here inGeneva... I'm a bit stuck.  Has anyone else experienced this?  Can I just get a report filed at the Geneva police station?  Although I'm afraid it will be in French so I'm not sure what good that will do me...


Frank PSep 21, 2012 @ 17:11
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Re: identity theft
Post 1

have you talked about it with your ambassy ?

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have you talked about it with your ambassy ?


bertrand hubert r, Sep 21, 2012 @ 18:22
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Re: identity theft
Post 2

Yes, the US Embassy says that they can't do any type of report for me.  So crazy, right?

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Yes, the US Embassy says that they can't do any type of report for me.  So crazy, right?


Frank P, Sep 21, 2012 @ 18:28
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Re: identity theft
Post 3

Frank, have you closed the account that was fraudulently opened in your name? Even though you did not open it, you are the person who has to close it. If you have not done so yet, call the fraud department of the bank/company in which the account was opened in order to file a formal dispute, then follow up in writing with copies of any supporting documents you may have. Send your letter via certified mail with a return receipt (requiring signature). You do not necessarily have to file an Identity Theft Report (ITR) with the police (in the U.S.) inasmuch as filing a dispute directly with the concerned bank/company may suffice. The ITR, however, is an extra (formal) layer of protection...


Since you cannot be physically present to file a report with the police in the U.S., your case is a bit peculiar, but not unheard of. People have their identity stolen across the globe every day and they do not always live in the country where the accounts were created or the collection agencies contacted... Ask the bank/company if they will accept the ID Theft Affidavit put together by the Federal Trade Commission (FTC). You can fill it out here: http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf


If they accept it, send that along with your letter. If not, ask for their own dispute forms ASAP... 


Once the identity theft dispute with the bank/company is resolved, ask them for a formal letter stating that said bank/company has officially and permanently closed the disputed accounts and discharged all fraudulent debts. This letter will be your most precious piece of evidence if errors regarding the account ever show up on your credit report or if a collection agency contacts you again about the fraudulent debt.


I also recommend that you file a complaint directly with the FTC. They have an online form you can fill out rather quickly: https://www.ftccomplaintassistant.gov/


or your can write to them: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. Either way, when you have updates, you will need to communicate them to the FTC so they may add the information to your file... 


This is a rather time-consuming process, but these steps are necessary in order to fix any kinks in your credit reports. Do take the time to "bother" the people who are supposed to help you through this -- call, e-mail, write, then call again! Sadly, this can take months to fix, Frank, so persevere and be patient!

The text you are quoting:

Frank, have you closed the account that was fraudulently opened in your name? Even though you did not open it, you are the person who has to close it. If you have not done so yet, call the fraud department of the bank/company in which the account was opened in order to file a formal dispute, then follow up in writing with copies of any supporting documents you may have. Send your letter via certified mail with a return receipt (requiring signature). You do not necessarily have to file an Identity Theft Report (ITR) with the police (in the U.S.) inasmuch as filing a dispute directly with the concerned bank/company may suffice. The ITR, however, is an extra (formal) layer of protection...


Since you cannot be physically present to file a report with the police in the U.S., your case is a bit peculiar, but not unheard of. People have their identity stolen across the globe every day and they do not always live in the country where the accounts were created or the collection agencies contacted... Ask the bank/company if they will accept the ID Theft Affidavit put together by the Federal Trade Commission (FTC). You can fill it out here: http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf


If they accept it, send that along with your letter. If not, ask for their own dispute forms ASAP... 


Once the identity theft dispute with the bank/company is resolved, ask them for a formal letter stating that said bank/company has officially and permanently closed the disputed accounts and discharged all fraudulent debts. This letter will be your most precious piece of evidence if errors regarding the account ever show up on your credit report or if a collection agency contacts you again about the fraudulent debt.


I also recommend that you file a complaint directly with the FTC. They have an online form you can fill out rather quickly: https://www.ftccomplaintassistant.gov/


or your can write to them: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. Either way, when you have updates, you will need to communicate them to the FTC so they may add the information to your file... 


This is a rather time-consuming process, but these steps are necessary in order to fix any kinks in your credit reports. Do take the time to "bother" the people who are supposed to help you through this -- call, e-mail, write, then call again! Sadly, this can take months to fix, Frank, so persevere and be patient!


Cécile V, Sep 21, 2012 @ 18:40
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Re: identity theft
Post 4

That is very good advice, Cecile.  Thanks!  


And yes, I have already filed the FTC affitdavit obnline as well as notifying one of the three major credit report compaines (they will notify teh other two).  


And I don't have to worry about closing the fraudulent account as it was apparently only open for two months in 2010 - and I only learned about it today!  Ha!  The collection agency has it now and the fees will keep climbing until I can get a proper police report to start the process of ending this.  


Oh man, fun times ahead.  ;) 

The text you are quoting:

That is very good advice, Cecile.  Thanks!  


And yes, I have already filed the FTC affitdavit obnline as well as notifying one of the three major credit report compaines (they will notify teh other two).  


And I don't have to worry about closing the fraudulent account as it was apparently only open for two months in 2010 - and I only learned about it today!  Ha!  The collection agency has it now and the fees will keep climbing until I can get a proper police report to start the process of ending this.  


Oh man, fun times ahead.  ;) 


Frank P, Sep 21, 2012 @ 19:16
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