Asset Acceptance - CFC Financial Refused to get rid of debt that was proven identity theft. ripoff Warren Michigan
First off this debt is 8 years old and occured while I was serving duty in the Unitewd States Marine Corps. While I was away I had my identity stolen. Their were credit cards in my name. Tickets given using my SSN and other utility services in my name. This particular debt was for a $1000 phone bill. I took this to court and filed police reports. ALL other debts were threw out. I was lead to believe when a different collection agency had this account this was threw out as well.
Over the years I have recieved correspondence from 3 different collection agencies all representing Assest Acceptance and I have sent over proof that this debt is not mine. Thinking the matter was resolved I relaxed. A couple of weeks ago. The new company CFC Finacial began garnishmnet of my wages for a total of $2800 for a phone bill? This debt increased 150%
This company is a scam artist and they twist the law to rip people off. They never contacted me concerning the garnishment and I never got notice to appear in court. their claimw as that I couldnt be reached. yet they found me to garnish my wages. Anyone interested in filing a suit please email me. I am definetly going through with it.
Archtyvia
Westland, Michigan
U.S.A.
5 Updates & Rebuttals
S.n.
Bucyrus,Kansas,
U.S.A.
I Don't Believe The Advice You Are Giving Here!
#6Consumer Suggestion
Mon, November 07, 2005
I hate to say this, but you need an attorney. If this debt is truly not yours and there was a police report on file and any company attempting to collect on this debt was aware of it, they need to have their doors closed. This is total garbage and the first responder knows this. Settling a debt that is NOT yours and was NEVER yours should never be an option. I'd say the ex employee is not an ex employee and doesn't bother to mention that this can be reported on your credit for years as a paid collection even if you DO settle a debt that does not belong to you.
S.n.
Bucyrus,Kansas,
U.S.A.
I Don't Believe The Advice You Are Giving Here!
#6Consumer Suggestion
Mon, November 07, 2005
I hate to say this, but you need an attorney. If this debt is truly not yours and there was a police report on file and any company attempting to collect on this debt was aware of it, they need to have their doors closed. This is total garbage and the first responder knows this. Settling a debt that is NOT yours and was NEVER yours should never be an option. I'd say the ex employee is not an ex employee and doesn't bother to mention that this can be reported on your credit for years as a paid collection even if you DO settle a debt that does not belong to you.
S.n.
Bucyrus,Kansas,
U.S.A.
I Don't Believe The Advice You Are Giving Here!
#6Consumer Suggestion
Mon, November 07, 2005
I hate to say this, but you need an attorney. If this debt is truly not yours and there was a police report on file and any company attempting to collect on this debt was aware of it, they need to have their doors closed. This is total garbage and the first responder knows this. Settling a debt that is NOT yours and was NEVER yours should never be an option. I'd say the ex employee is not an ex employee and doesn't bother to mention that this can be reported on your credit for years as a paid collection even if you DO settle a debt that does not belong to you.
S.n.
Bucyrus,Kansas,
U.S.A.
I Don't Believe The Advice You Are Giving Here!
#6Consumer Suggestion
Mon, November 07, 2005
I hate to say this, but you need an attorney. If this debt is truly not yours and there was a police report on file and any company attempting to collect on this debt was aware of it, they need to have their doors closed. This is total garbage and the first responder knows this. Settling a debt that is NOT yours and was NEVER yours should never be an option. I'd say the ex employee is not an ex employee and doesn't bother to mention that this can be reported on your credit for years as a paid collection even if you DO settle a debt that does not belong to you.
George
TROY,Michigan,
U.S.A.
SUGGESTION
#6UPDATE EX-employee responds
Mon, November 07, 2005
HELLO Archtyvia,
I HAVE COMMENTS, SUGGESTIONS, AND QUESTIONS...
FIRST, COLLECTIONS AGENCIES PURCHASE YOUR (CONTRACT) FROM THE ORIGINAL CREDITOR. WHAT THAT MEANS IS PER YOUR CONTRACT IS WHAT IS LAW. SUCH AS YOUR INTREST RATE... ALSO ACCTS CAN ONLY BE REPORTED FOR 7 YRS / BUT CAN BE COLLECTED ON FOR UP TO 10 YEARS. IF A JUDGEMENT IS FILED AGAINST YOU IT LAST FOR 10 YEARS, AND IS RENEWABLE.. IN THE FUTURE YOU NEED TO GET WHATEVER IS BEING STATED BY AND AGENCY OR REP. IN WRITING!!!!! THAT WAY IF SOMETHING COMES UP YOU HAVE PROOF THAT ISSUE HAD BEEN RESOLVED. I DONT KNOW WHEN YOU FIRST REALIZED THIS WAS FRAUD. BUT! SOMEONE DROPPED THE BALL AND NOW YOU ARE BEING PENALIZED. YOU MUST REALIZE THAT REP'S DEAL WITH HUNDREDS OF PEOPLE A DAY, AND HUMANS WILL MAKE MISTAKES, SO IT IS A MUST YOU GET AS MUCH INFO IN WRITING TO PROTECT YOUR SELF.. BECAUSE AT THE END OF THE DAY ITS ONLY GOING TO AFFECT YOU. IT HAS BECOME A MUST THAT YOU KEEP THE MOST CURRENT DOCUMENT AVALIABLE ON ALL PAID, UNPAID, AND DISPUTED ACCOUNTS. AND IF POSSIBLE PULL YOUR CREDIT EVERY 6 MONTHS OR SIGN UP WITH ONE OF THE BIG THREE (EXPERIAN, EQUAFAX, OR TRANS UNION) ON LINE AND MONITOR IT. THAT WAY IF SOMETHING SHOWS UP ON YOUR REPORT YOU CAN ADDRESS IT. TRY CALLING THE ATTY AND SETTLE THE ACCOUT FOR 60% OF THE OWED BALANCE.......