Fraudulent account under Koodo tanked my friend's credit score; what to do?
My friend recalls initially discovering that a Koodo acct had deliquent charges via Credit Karma warning them about the delinquent account. My friend called Koodo and assumed the charge was related to their Public Mobile bill (because they’re sister companies under Telus). My friend paid off that bill hurriedly because they were so worried about the late payment - but didn’t really think about what had happened.
Fast forward to today, my friend realizes that they really need their credit score to not be shite. They didn’t know their TU credit score had dropped by that much and they’re trying to figure out how to get this issue lifted.
Firstly, we believe this was a fraudulent account opening. I’m not sure what we can do with this information except email TU to open a dispute with Koodo.
My friend also called Koodo and tried to get to their account departments to see if they could try to lift the charge, but Koodo reps kept saying, “we can’t lie to the credit bureaus, there IS a late charge here”. Then the Koodo reps suggested to file a police report. At this point, things feel sort of hopeless in terms of trying to get this late-charge wiped off.
What are the next steps to trying to resolve this? Should my friend open a police report? Should they try to call Koodo again? Does anyone know of a special help line with koodo?
Thanks in advance RFDers
EDIT: My friend doesn't use RFD, so I'm just posting here to get some advice on behalf of them.