Complaint Review: Seventh Avenue - Monroe Wisconsin

So as the writing of this report my credit now has negative marks against it and i will have to wait atleast a week for what they called a fraud packet to be filled out and returned to them to investigate the issue.

- Don't expect this to be cleared up in a week. It will likely take 30-45 days for them to do the initial investigation and there will probably be some additional back and forth before they decide if you are responsible for the debt or not.   Because rememember from their perspective a person had enough information to pretend they were you, and that is all they have to go on.

Someone on their end should have been watching for fraud or a scam.

- If someone has enough information on you to be able to open an account, there would be no reason for a company to suspect Fraud. The reality is that buying 2 laptops is not something that is out of the ordinary.

Now i will need to exhaust time and effort to clear this matter up.

- Unfortunatly yes. But it may not be over, it appears you may be a victim of Identity Theft. You need to immediatly pull your credit reports to verify you do not have any additional accounts opened with other companies. This includes looking at not only your accounts opened, but any inquiries. As an Inquiry shows an attempt and may mean an account was opened just not reported yet.

You also need to go file a Identity Theft Report with your local police and then put a FREE fraud alert on your credit reports. This will make it much harder for future accounts to be opened up in your name.  I would do this regardless of your credit report showing additional accounts or not.

If you do have additional accounts opened up, you will need to also start working on having those cleared up as well.  Also, since you don't know where the ID Theft occured you may also want to change ALL of your online passwords and even your PIN number on any bank cards you have.  Depending on the extent of this you could be looking at another 2-3 years of trying to get all of this cleared up. So the sooner you get into this the better the chances you can minimize the damage.

So much wrong here in one complaint:

Seventh Avenue has allowed an account to be opened under my name.  Yeah, that's not how it works.  If someone has all of your identification (you know, SSN date of birth, etc...), then yes they can open an account in your name since the vendor thinks you opened an account.  See, how that works?  They don't contact you because the person pretending to be you, is you, as far as they are concerned.

So as the writing of this report my credit now has negative marks against it and i will have to wait atleast a week for what they called a fraud packet to be filled out and returned to them to investigate the issue.  Yeah, that's generally what happens when you don't pay the bill.  Yes, it's not your bill, but as far as the vendor is concerned, until they examine your submission, it's still you.  BTW, I don't expect the completed packet to result in anything being resolved.

Now i will need to exhaust time and effort to clear this matter up.   I don't think you really have any idea at this point how much time and effort it will take to clear this up.  If your identity has been stolen, and that's what this looks like, then you could be looking at around 2+ years to try and clear everything up.  You may need to look further and see if your identity was used for anything else.