Complaint Review: JBC - Jacob Weinstein - New Jersey

Could someone please provide me with some info about sending a cease & desist letter and reporting this company to the FTC and Atty. General, either by posting here in this topic or providing a link? Sample letters would be great. It seems to me there should be a section on this website just for that. Anyway, I've found out now that Mr. Weinstein, while not associated with JBC, is part of another ripoff outfit listed on this site, Leading Edge Recovery Solutions. Why the h@#l have these people got to come out of the woodwork and bug me all of a sudden? The thing that really bugs me about all this, even more than that they're digging up old information about people, is wondering how they get it. Like I said, that returned check JBC is trying to collect was paid immediately when I found out about it and is most definitely not on my credit report from then (and thank goodness not now by JBC, either. I just checked my free reports), so how do they know about it? The rip-off artists are bad enough but the whole privacy issue needs to be dealt with, too. Now I'm worried the next thing will be someone stealing my identity and wrecking my credit that way. Well, now that I've gone off subject, please could someone provide some assistance, as I mentioned above? Thanks!

I tried to stay calm, but boy they ARE good at pissing you off. (I can see how they could intimidate more fearful souls.) They are trying to claim I never made payment on a returned check from well over 10 years ago!!! (In fact, it's probably more like 15!) That account has been closed almost as long, as the company I worked for at the time would only pay us by a direct deposit to that institution. When I left that job, I closed the account. I don't even live in that area any more! BTW, the closed account is NOT why the check was returned, as far as I can remember, and if so it was not intentional. Anyway, I know I went to the merchant and paid cash to take care of it. When I said I paid it, the girl at JBC wanted to know if I had a receipt. I told the girl no, do you have any idea how long ago that was, and she said, "oh well, then you owe it." I said the burden of proof was on her. She said it was not. When I tried the arguments about the fair credit reporting act, I got that "we are not a collection agency, we are a legal firm." She told me that because of that, this wasn't a matter of credit but of stealing; that I was a thief and I stole something. I said I most certainly did not. She kept trying to talk over what I was saying and arguing with me. Then I said that if they were a real legal firm, they were certainly very unprofessional, accusing me of stealing. I was then informed that that was no accusation, it was a fact and she was only trying to help me, and I was being unreasonable and everything was MY fault. I said, "You don't have any proof that I owe that." She said they did and I asked what. "Well, if it wasn't valid, they wouldn't have reported it." I said, "They'd wait over 10 years before reporting it?" Then she went back to "you stole something", blah, blah, blah. Finally, trying to get a word in edgewise over her, I said, "I don't owe this and I'm reporting your company to the Atty. General" and hung up. God, does that make my blood boil! If I can't get them on the grounds of being in violation of the Fair Credit Reporting act, what can I do? I haven't tried to call "Weinstein" yet to see if it's the same load of crap or a different one...