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/u/adei0s
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A insurance provider took out a policy in my name last year when I went to them to ask for a quote, unbeknownst to me and without my consent. A year later I find out about it because it got sent to debt collections and is ruining my credit. In order for them to fix it they need me to prove:
I dont know how to prove a negative. I reached out to the mortgage provider to make a statement that they're not associated with me but they're an uninvolved party and never got back to me. I tried to look up county records for who actually owns the house now but I was only able to find details about the house itsself but not who owns it.
I posted in other subreddits to get advice and most of the advice are to get a lawyer. I don't think it needs to escalates to that, I feel like there should be a way to prove I don't own a house?
Edit: Just got off the phone with multiple county offices for the house. They do not provide online records or a search via phone call, I can pull permit records online but none were taken out for the house in the past year. I can only make an appointment for an in person visit to see the property record but I don't live there anymore so it won't be possible.
Some search online says my tax return could serve as evidence that I don't own property. Is that true? And would it be a good idea to be providing that kind of information to this insurance provider considering how shady they've been with my information so far?
Edit2: I sent to the insurance company my credit report showing I don't own any mortgage. I have also made a complaint to California department of insurance and it seems that they have very good track record of investigating on behalf of consumers. Will wait a few days and see if either of them are able to move towards resolving it.
submitted by /u/adei0s
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How to prove I don't own a home to get out of of a home insurance policy taken against my will?
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- I never took out a mortgage with a specific mortgage provider
- I don't own that house
I dont know how to prove a negative. I reached out to the mortgage provider to make a statement that they're not associated with me but they're an uninvolved party and never got back to me. I tried to look up county records for who actually owns the house now but I was only able to find details about the house itsself but not who owns it.
I posted in other subreddits to get advice and most of the advice are to get a lawyer. I don't think it needs to escalates to that, I feel like there should be a way to prove I don't own a house?
Edit: Just got off the phone with multiple county offices for the house. They do not provide online records or a search via phone call, I can pull permit records online but none were taken out for the house in the past year. I can only make an appointment for an in person visit to see the property record but I don't live there anymore so it won't be possible.
Some search online says my tax return could serve as evidence that I don't own property. Is that true? And would it be a good idea to be providing that kind of information to this insurance provider considering how shady they've been with my information so far?
Edit2: I sent to the insurance company my credit report showing I don't own any mortgage. I have also made a complaint to California department of insurance and it seems that they have very good track record of investigating on behalf of consumers. Will wait a few days and see if either of them are able to move towards resolving it.
submitted by /u/adei0s
[link] [comments]
How to prove I don't own a home to get out of of a home insurance policy taken against my will?
Continue reading...