Complaint Review: Merchants' Credit Guide

Merchants' Credit Guide Co sent me a letter that they say I owed them for a debt they were collecting for Sprint Communications via a company called LVNV Funding LLC.

If this has happened to you Fight Back! I sent the following letter to them:

22 August 2005

Ref: File# XX-XXXXXXXXXXX

Ken Hughes
Collection Agency Representative
Merchants' Credit Guide Co.
223 W Jackson Blvd
Chicago, IL 60606

Mr. Hughes, as of the moment you or any associate affiliated with your company receive this letter you will cease and desist any further written or verbal attempts with me or any member of my household to collect any debt. In addition, should you have placed any report or notation with any of the credit reporting agencies you will immediately rescind any such report or notation from those credit reporting agencies.

Failure to comply with this directive will result in an immediate harassment and/or fraudulent activity lawsuit filed by me or by my proxy, which I am sure, given your unsavory reputation I will have absolutely no problem resolving in my favor.

I have contacted and verified that I do not, and have not, owe or owed Sprint Communications any debt, any potential debt that may have once occurred has long since passed any statute of limitations.

This is the worst kind of scam, looking just legitimate enough to scare the unsuspecting into paying you fraudulent debts. You and your company of may indeed have a business license to operate in Illinois, however I doubt that should that good state's regulatory agencies actually knew what you are doing that it would stand for long. Luckily the internet is a powerful research tool and a search very quickly revealed the scope and nastiness of the scam you are running. For example www.ripoffreports.com revealed the dismaying extent of your scam.

This will be my one and only direct communication with you, any further communication from me will be by proxy. This letter, along with a copy of your original document will be sent to the Illinois Attorney General Lisa Madigan and the office of the Citizens Advocate.

cc.

Office of the Attorney General, Lisa Madigan
Consumer Protection Division
Attn: Susan Bruenning, Citizens Advocate
100 West Randolph Street
Chicago, IL 60601

David
Clearfield, Utah
U.S.A.