Complaint Review: CBCS - COLUMBUS Ohio

CBCS bought a slew of old bills from companies that were bought out by Verizon. These debts are generally quite old and, given the fact that the actual debtor is usually someone who doesn't pay their bills, it's usually also someone who doesn't keep addresses for very long. So CBCS does a little bit of investigation to try and find a transient, and comes up with who they THINK MIGHT be the person they are looking for. Getting ahold of YOUR social security number is a part of the skip-tracing process, it is NOT a verification that you are the correct debtor. My partner is a debt collector (and I do bankruptcies and debtor's lawsuits - it's a very odd setup, but it works well), so I know how this process works. Your best bet is to send them a letter stating that, even if you were the actual debtor, the account is past the statute of limitations for collections, and past the reporting period allowed by the FCRA, so you know that they have no recourse but to harass you. Then demand that they close their account and cease and desist from any further communications with you. Let them know that, if they ignore your demand or place any blemishes on your credit report that you will take legal action. I've done this several times with this very outfit, and they cave every time. Best of luck!

CBCS bought a slew of old bills from companies that were bought out by Verizon. These debts are generally quite old and, given the fact that the actual debtor is usually someone who doesn't pay their bills, it's usually also someone who doesn't keep addresses for very long. So CBCS does a little bit of investigation to try and find a transient, and comes up with who they THINK MIGHT be the person they are looking for. Getting ahold of YOUR social security number is a part of the skip-tracing process, it is NOT a verification that you are the correct debtor. My partner is a debt collector (and I do bankruptcies and debtor's lawsuits - it's a very odd setup, but it works well), so I know how this process works. Your best bet is to send them a letter stating that, even if you were the actual debtor, the account is past the statute of limitations for collections, and past the reporting period allowed by the FCRA, so you know that they have no recourse but to harass you. Then demand that they close their account and cease and desist from any further communications with you. Let them know that, if they ignore your demand or place any blemishes on your credit report that you will take legal action. I've done this several times with this very outfit, and they cave every time. Best of luck!

CBCS bought a slew of old bills from companies that were bought out by Verizon. These debts are generally quite old and, given the fact that the actual debtor is usually someone who doesn't pay their bills, it's usually also someone who doesn't keep addresses for very long. So CBCS does a little bit of investigation to try and find a transient, and comes up with who they THINK MIGHT be the person they are looking for. Getting ahold of YOUR social security number is a part of the skip-tracing process, it is NOT a verification that you are the correct debtor. My partner is a debt collector (and I do bankruptcies and debtor's lawsuits - it's a very odd setup, but it works well), so I know how this process works. Your best bet is to send them a letter stating that, even if you were the actual debtor, the account is past the statute of limitations for collections, and past the reporting period allowed by the FCRA, so you know that they have no recourse but to harass you. Then demand that they close their account and cease and desist from any further communications with you. Let them know that, if they ignore your demand or place any blemishes on your credit report that you will take legal action. I've done this several times with this very outfit, and they cave every time. Best of luck!