Brittany
Austin,#2Author of original report
Mon, October 02, 2006
I appreciate your advice Steve. As I stated, I have done exactly what you suggested. it is still on my credit with changes by Cavalry that make it look like more recent debt on my credit report. So who would you tell me to I go to for help in enforcing the laws that govern the collection companies? Do I or the many others like me have the money for an attorney to file a lawsuit? All of the agencies I listed are involved in governing the collection companies and can help all of us. It takes time for the agencies to take action. They have to have enough complaints by consumers to decide to do something to regulate these collection companies. Second, YES the Utilities commission can help who do you think regulates the original company AT&T/Cingular who said I owe the debt. Point is Steve, again, not everyone can afford an attorney and file suit. We need the government agencies to open there eyes and pay attention to what is going on. They won't know anything if we don't tell them. Most of the complaints listed on Rip-off are consumers asking for help. I answered there that question. I never said it was an easy solution. Unfortunately, it will only take a high profile Class Action lawsuit or enough people complaining to the right agencies to make any changes happen for us and consumers in the future. The lackadaisical attitude to take the easy way out is exactly why these companies are getting away with this. The general public has to take the initiative to put in a little extra effort to take the necessary steps to bring this situation to light and get laws and governing agencies to change!
Steve
Bradenton,#3Consumer Suggestion
Mon, October 02, 2006
BJ, All it takes is 4 certified letters, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. By the means above, notify each of the 3 credit bureaus of the erroneous reporting. Specify in your letter that you are excercising your rights under the FCRA. Dispute the entry for reason "NOT MY ACCOUNT", and DEMAND copies of all communications from all parties regarding "validation" of said "account". Send a letter to the collector with the same information, and inform them that failure to comply immediately will result in lawsuits for damages as provided for under both the FCRA and the FDCPA. File complaints online at FTC.gov for each violation of your rights. This is all it takes. The agencies you mentioned have little or no authority to do anything. These people are NOT governed by the Public Utilities Commission or the BAR ASSOCIATION. It helps to complain only to people who have the authority to do something. If you were as well versed in collections as you claim, you would know this.
Steve
Bradenton,#4Consumer Suggestion
Mon, October 02, 2006
BJ, All it takes is 4 certified letters, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. By the means above, notify each of the 3 credit bureaus of the erroneous reporting. Specify in your letter that you are excercising your rights under the FCRA. Dispute the entry for reason "NOT MY ACCOUNT", and DEMAND copies of all communications from all parties regarding "validation" of said "account". Send a letter to the collector with the same information, and inform them that failure to comply immediately will result in lawsuits for damages as provided for under both the FCRA and the FDCPA. File complaints online at FTC.gov for each violation of your rights. This is all it takes. The agencies you mentioned have little or no authority to do anything. These people are NOT governed by the Public Utilities Commission or the BAR ASSOCIATION. It helps to complain only to people who have the authority to do something. If you were as well versed in collections as you claim, you would know this.
Steve
Bradenton,#5Consumer Suggestion
Mon, October 02, 2006
BJ, All it takes is 4 certified letters, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. By the means above, notify each of the 3 credit bureaus of the erroneous reporting. Specify in your letter that you are excercising your rights under the FCRA. Dispute the entry for reason "NOT MY ACCOUNT", and DEMAND copies of all communications from all parties regarding "validation" of said "account". Send a letter to the collector with the same information, and inform them that failure to comply immediately will result in lawsuits for damages as provided for under both the FCRA and the FDCPA. File complaints online at FTC.gov for each violation of your rights. This is all it takes. The agencies you mentioned have little or no authority to do anything. These people are NOT governed by the Public Utilities Commission or the BAR ASSOCIATION. It helps to complain only to people who have the authority to do something. If you were as well versed in collections as you claim, you would know this.
Steve
Bradenton,#6Consumer Suggestion
Mon, October 02, 2006
BJ, All it takes is 4 certified letters, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. By the means above, notify each of the 3 credit bureaus of the erroneous reporting. Specify in your letter that you are excercising your rights under the FCRA. Dispute the entry for reason "NOT MY ACCOUNT", and DEMAND copies of all communications from all parties regarding "validation" of said "account". Send a letter to the collector with the same information, and inform them that failure to comply immediately will result in lawsuits for damages as provided for under both the FCRA and the FDCPA. File complaints online at FTC.gov for each violation of your rights. This is all it takes. The agencies you mentioned have little or no authority to do anything. These people are NOT governed by the Public Utilities Commission or the BAR ASSOCIATION. It helps to complain only to people who have the authority to do something. If you were as well versed in collections as you claim, you would know this.