If you are dealing with a fake credit card statement without a credit card, it can be frustrating and embarrassing. Having statements on hand is the best way to figure out if someone has used your credit without permission. However, there are ways that you can report the matter to the credit card company to stop this type of cheating without using the formal process of reporting the matter to the credit bureaus.
The first step in stopping an illegal credit card statement is to write down every detail about the suspected illegal activity. You should include all passwords and any numbers that are associated with the account and any other financial information. Keep track of all correspondence that takes place between you and the person who you think might be using your number without your consent. Write down a few of these letters or call the companies and request the verification of the account information.
After you have written down everything that you think might be useful in catching a cheating spouse, it is time to report the illegal account to the credit card companies. The Fair Credit Reporting Act requires each of the major credit card companies to give you a copy of their credit card statement within 30 days of the suspected account. You should take note of any account numbers that do not belong to you. If you find this out, you can report the issue to the credit card company and they will investigate the matter with the bank to make sure that the account in fact belongs to you.
A copy of the credit card statement that you get from the credit company will help you track down the thief. In some cases, it could be a spouse or a close associate. In other cases, it could be a company employee who has stolen your identity. With this information in hand, you can contact law enforcement to pursue the suspect.
Once you have obtained a copy of the account statement, it is important that you carefully read the document over. Check to make sure all the pertinent information is accurate. Look for missing or wrong names, addresses and account numbers. You should also be wary of account numbers that don't belong to you. If this is a common theft tactic, then it is likely that the thief has many accounts under different names.
In some cases, the thief has transferred funds from an account at another company using your name. In order to catch the person, you need to inform the credit card company about the incident. They are required to investigate by contacting the credit card company to find out more information. If they find out that the transaction was unauthorized, they can freeze all your accounts until they can cancel the fraudulent charges.
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