Alan
Long Beach,#2Consumer Suggestion
Thu, June 07, 2007
Your situation is not unique. As a consumer rights attorney here in Long Beach, CA, you do have an avenue to go after the collection company. First, dispute the information all of credit bureaus that have this collection account on it, include all your documentation. If it is not removed within the 30 day investigation period, contact an attorney, they have violated the FCRA, Fair Debt Collection Practices Act, but remember, you only have 1 year from the date that this information was reported to file an action. These law suits have teeth, compensatory, punitive and my favorite attorney fees. I wish you well with your efforts.
Steve
Bradenton,#3Consumer Suggestion
Tue, November 07, 2006
Ina, You have rights under federal law. It is called the FDCPA. You have the right to send a CEASE COMMUNICATIONS request. Send this by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. This is very important. If they violate this you can sue them and win. Now, by the same means above, dispute the entry with the credit bureaus for reason "not my account". You have the right to request any information and correspondence used in the verification process, and then if they refuse to fix it, you can sue them. STAY OFF THE PHONE!! Do everything in writing by the means above. Good luck.