Legal Question in Credit and Debt Law in Florida

A Company submits known forged documents to credit agency

What can be done if a company submits a credit application knowing full well the the person who signed it was not the person who's information is on the application? Is there fraud on both sides? The Forger and the company? How can I get my named removed from the credit account (it's a joint account) without filing the criminal charges of forgery? Can I go after the company since they knew that at the time I had no knowledge of the application nor signed the damn thing?

Any help would be appreciated.


Asked on 3/22/06, 4:24 pm

1 Answer from Attorneys
Samira Ghazal Ghazal & Gomez, P. A.

Re: A Company submits known forged documents to credit agency

So many consumers do not know that they have lots of rights to protect them when they have been the victim of identity theft.

You have civil rights under the Fair Credit Reporting Act. The first step is to see if this information is appearing on your credit report. Call 1.877.322.8228 for your free annual credit report. DO NOT ORDER YOUR REPORTS ON LINE. If you have a case, the defense attorneys like to argue that an on-line credit report can be "altered".

If it is on your credit report, the next step is to write a dispute letter to the three main credit reporting agencies -- Equifax, Experian, and TransUnion. Send the letters via certified mail return receipt [which avoids the argument they never got your papers]. If it continues to appear on your credit report AND you have suffered damages -- contact us. This is our legal expertise. For more visit our web page, www.FLORIDACREDITLAWYER.com or call us 305.860.1221.

We have a free consultation and do not charge a fee unless we win in your case because under the FCRA you are entitled to be reimbursed for your attorney's fees.

Samira Ghazal

For the Firm

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Answered on 3/23/06, 9:10 am


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