This is how my story goes. Last Friday, I pick up my credit report and find a negative collections account from Verizon. The amount wasn't big, but it stated that I owed Verizon money and that it was sent over to a Collections agency. Well, this made no sense, because I never had an account with Verizon. I chase down Verizon and contact their customer service, billing, finance, corporate headquarters, regional president, everyone I can speak to. I probably spent a total of 3 hours talking to human-robots, all saying the same thing, routing me over to another dept then putting me on hold - I finally got fed up so asked for a supervisor, but the answer was always, "there isn't one available now but I can put in a request for one to call you," and of course they never call. After my numerous calls with about 10 reps, I was able to piece together some basic facts: the negative account showing up on my report had an address that was not mine. It was in the same apartment complex but not the unit number I lived in. The name was similar, but it was not the same. And during the lifespan of the account, I wasn't even living in that apartment complex because I had moved out to another part of the city. When I figured all this out (on my own by the way), I naively believed that the mystery was solved and that Verizon would undo their mistake instantly, as any normal person with a functioning brain would. But nope, that wasn't going to happen. As all of you on this forum are well aware, Verizon doesn't like to admit their mistakes. They love to blame it on others. In my case, they insist that it's a Fraud case, that someone used my name and credentials to open an account with them. They are asking me to file a police report, so that they can find the person. Basically, they want me to find their account holder who owes them a few hundred dollars for not returning their equipment (this is my assumption on what's going on).
In any case, I am still fighting and arguing my case. I have made numerous calls to the executive offices and supervisors. I have also contacted the credit bureau to dispute the negative account showing up on my report from Verizon. (I was told that they have sent an inquiry to Verizon and if they don't respond within 30 days, the negative account will be removed by law.)
My story is still ongoing, and so are my frustrations; but, I am determined to make this right. Even if I have to take legal actions and fight it that way.
Lastly, reading some of the posts on this forum, I am truly sad and angry, but I also feel a little empowered knowing that I am not the only one in this fight. Thanks for listening and giving me a little more hope on humanity!