HeplMe wrote:Hi, a couples day ago a debt collector came to my house and delivered a court Summons that stated I owed American Express $20,000 which I don't have Amex account. I checked the credit card bureau and found out that on 4/29 the account was opend and closed in July. I did not received bills or statments at my current address. What should I do? Please advise. Thanks.
Hi, You need to retain a lawyer before going to the police. American express and the police are going to investigate you first. I was a ID theft victim 20 years ago and I was the number one suspect. You also need to get a credit freeze at the four credit bureaus. Trans Union, Experiran, Equifax and Chexsystems. It will cost $10 at each bureau online or by phone. Don't wait for a police report or investigation. By that time numerous other accounts could be opened.
You need to look at your chexsystem report to see if there are any inquires by banks or deliquient accounts then you need to find out if a checking account was opened in your name. If so, most likely bad checks will have been used by the bad guy(s) and the merchants, prosecutors and police will issue warrants for your arrest.