Posted on : 05-22-2012 | By : Legal Information | In : Legal Questions
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I have a question, I live in California and recently I have been receiving some phone calls by a lawyer claiming I have a debt of $8,000 with American Express. I have never had an American Express card and I have never been delinquent in my life and my FICO credit score right mow is over 850. This debt doesn?t show in any of my credit reports, and no credit check by this collector shows on my credit reports. I believe it is a case of mistaken identity because this other person live in my same city Santa Monica. The caller said I have been sued and I defaulted (obviously I have never received a summons because the account is not mine and I am sure the address and Social Security number must be different), I believe he thinks I am the other person. I am worried that these people can drag me to court or freeze my bank account because of mistaken identity and the fact he thinks I am the person who defaulted. I checked the white pages there are a few people whit my same name. If a name is similar or identical to another individual, don?t they need a match with social security numeber to request a freeze in a bank account?
Thank you,
Rober G.
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