ID Theft

I have paid off my loan, the lender declared that I foreclosed. Can I bring a legal action for damages?

i am the victim if the id theft, I had a mortgage, my former lender reported that also that I had a credit line. Which is not true. In addition the lender wrongfully reported that I had foreclosed. I AM WONDERING IF IT IS POSSIBLE THAT WITHOUT MY KNOWLEDGE A CREDIT LINE WAS AUTHORIZED ON MY GOOD NAME AND WHEN I paid off my mortge, it is that credit line that went into foreclosure. The fact that I had received a Notice of Defaults and that I paid off my off my loan before the foreclosure. After I had paid off my lown: Should the lender had file for a Recission of the notice of default?. Why did the lender did not do that but instead refused to delete from my record "FORECLOSED". What foreclosed? I paid off my mortgage in full. Consequntly I assume that there is a possibility that my lender had authorized a line of credit to an unknow person without my knowledge. Does my reasoning makes sense? How can I verify this? Thank you! Anita

Public Comments

1. I hope I am understanding this correctly.... you paid your mortgage loan off and there is documentation somewhere that there was a forclosure and a line of credit, that you knew nothing about... Did you find all this on your credit report/ is this on your credit report? What I would do if that is the case, since the lender refuses to help you correct a mistake that was obviously made by them, is get in contact with equifax, explain the situation and dispute this information and have it cleared from you, as for proof, you have the notice where you paid off your mortgage. It doesn't really sound like anyone has stolen your identity or a line of credit has been opened... YET. It seems as if there was an error when your bank reported this information. Call equifax or write a letter Mail Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374 1-800-685-1111