RICHMOND, VA (WWBT) – Have you ever heard of an "honest" thief? If there is such a person, he got about $50,000 using somebody else's information. But, the twist here -- the perpetrator is making payments.
It's not your typical identity theft complaint. But, it shows, what you don't know can be devastating. Jarry Wilson was house hunting and denied a mortgage loan when the bank checked his credit and found several open accounts.
Jarry read his credit report in disbelief and says he's a victim of identity theft. He says someone used his name and credit to go to college.
"This is my name Jarry Wilson, but who's doing it? I didn't take this loan out," he said.
His credit report lists several student loans as far back as 2009. That's when the first payment was made. There's a $12,700, and $6,000 student loan, all showing payment deferred...and others with a current status and consistent history of paying on time.
DIANE: "No way in the world that that's yours?"
JARRY: "No. No way. No way. Not me. My name, but not me."
The scariest part of being a fraud victim Jarry says is waiting for the other shoe to drop.
"They paying now, but if they stop, that's it. My credit is shot. $52,000 ain't no joke," Jarry said. "I'll drown. I will drown, literally. I will drown."
The widower and father of two makes a living as a bus driver. The high debt is stopping him from buying a home, until the inaccuracies are corrected.
- To resolve errors, contact all three credit reporting agencies.
- And, the company that's providing the information. Under the law, both are responsible for correcting incomplete or inaccurate information.
- Tell them in writing what you think is wrong. Back up your claim with documentation.
- Send it certified mail. They have 30 days to investigate.
"Clear my name. Clear it," Jarry said. "I hope they do, because I want to see who's doing this. How many other names do they have? Diane, it could be you."
Jarry filed a police report and a dispute claim. He doesn't believe it's a simple mistake of someone else's information showing up on his credit report. He thinks its identity theft. I'll let you know what the investigation turns up.