RJM Acquisition collections scam fraudulent Hauppauge New York
I received a letter from RJM Acquisition stating I owe a whopping $11,750 on a account for a MasterCard I don't own. Now my first though was it's a scam - considering I'm 20 and don't even own a MasterCard. After looking around it looks like they're a shady company - but legit to some degree. This has me a bit worried - could it be a classic case of identity theft?
I would like to send them a debt validation letter via certified mail - but I'm worried this may put me in a position where they could argue that I've verified it is indeed my debt - when it's not possible.
Advice would be appreciated - I just don't want my credit score (immaculate) to be touched by something hefty from this sketchy company.
Thanks!
Cody
aliso viejo, California
U.S.A.
2 Updates & Rebuttals
Tammyl
Brighton,Michigan,
U.S.A.
skiptracing
#3Consumer Comment
Wed, June 11, 2008
They are probably skiptracing when they send this letter out. It may not be identity theft at all. They may just be sending letters out to any person who they may have reason to believe could be their person or who might have knowledge of that person.
The best way to deal with this is simply write a letter stating that you are not the person that they are looking for. Say that you have never had a mastercard and that you have never had a business relationship with the creditor. You can give them your date of birth as a means of identity (they will more than likely have the dob of the real person on file). Once they realize that they have the wrong person, they will probably go away.
I wouldn't start to worry about it until they start calling you.
Good luck
Tammyl
Brighton,Michigan,
U.S.A.
Probably skiptracing
#3Consumer Comment
Tue, June 10, 2008
This collection agency may be skiptracing by sending out a letter to all persons who have your name that are probably located in the same area.
Your name may have been cross referenced with theirs. The simple solution to this is simply respond by sending a nice letter disputing that you have never had a mastercard.
Simply say that there must be a mistake. You don't have to provide your full social security number, just the last four or if you don't feel
comfortable with that, your date of birth. More than likely once they realize that they have the wrong person, they will stop contacting you.
Just make sure that you make copies and send it certified mail so that you have
proof that you disputed this bill.
I hope this helps.