I’m the very antithesis of a litigious person, but something has just happened to me that makes me wonder if I have standing to punish a company for negligence.
I’m in the process of refinancing a couple of mortgages, consolidating debt, etc.
Without going in to deep detail, the mortgage company sent me a mortgage packet in the mail that contained correct loan paperwork for me and also contained a copy of a credit report - puportedly, the credit report upon which my loan paperwork is based.
The problem is that it isn’t MY credit report.
So, I now have in my possesion the most private and vital data of a couple in Washington state. I have long lists of their prior addresses, credit card numbers, loan numbers, telephone account numbers, SSN’s, etc.
In short, I have everything and more that an identity thief would need to steal these people’s lives. A complete credit history that goes back many years.
So, if I got someone else’s credit report, who the hell got mine? DID anyone else get mine? HOW MANY people have mine? The company couldn’t answer any of those questions and in fact, told me that this is a known problem with the software that they use to print out the mortgage packets.
Does a human being not double check these things before they go in the mail???
Tomorrow morning, I plan to contact a lawyer and the state attorney general’s office. I’m not sure if this is a criminal act of negligence or simply a civil issue, but I’m now scared to death that someone, WHO? has my personal private information out there someplace. The mortgage company doesn’t appear to be able to prove that someone doesn’t have it.
IANAL, so what do you think?