This has been the only thing I've written about in the last few days, but it's really the only drama in our life. Today I started my "fighting back" campaign. I've read the majority of what the government has to offer on the subject. They have a lot of useful information on what to do to prevent, protect, and defend against identity theft.
Click here to visit.
I spoke to a man in the fraud department for Road Loans. He helped me a bunch. I've tracked down the IP address and the exact time it came to Road Loans. Don't ask me to explain. Road Loans directed me to Modern Consumer. Modern Consumer directed me to
theplanet.com. So far that's where the trail ends.
The Planet doesn't talk over the phone about fraud. Why? Heck, I don't know. I was, however, given an email to their fraud department and I'm waiting for a reply. I'm just trying to track down where this all originated from. A person doesn't Have to do these things, but the guy at Road Loans said I could. What ever I find out helps to authorities that much more.
According to FTC (think I got that right) I'm to send Road Loans a copy of the report I filed with the police (doing that tomorrow). Then I'm to send One of the three credit reporting bureaus proof that I filed with the FTC, copies of any material I received, and (I think) a copy of the police report. That should get things on the right track and issuer that nothing else comes through. Hopefully.
There have been quite a few laws passed over this subject. I printed out some of these laws from the website I listed in the first paragraph (FTC?). Laws that outline what the police department HAS to do. Laws that outline what Road Loans HAVE to do. Also, laws that outline what the credit bureau HAS to do to protect me from further attacks.
All and all, I'm on the right track. Luckily for us, the government has certain things in place to help when identity is breached. I think the most common mistake made is not reaching fast enough. I just hope I'm reaching fast enough. The application was submitted to Road Loans on the 23rd of October. Which is the same day that all the debit transactions started. I'm just trying to get "ahead" of the bad guys, but right now I'm still trying to catch up.