Angie
Central,#2Consumer Suggestion
Tue, October 19, 2004
JBC stands for Just Been Conned. For one thing, the burden of proof is on them to proove you owe this. It is quite clear you have done everything in your power to resolve this. They have nothing to lose. They know you don't owe from the letters and proof you sent to them that they "didn't get" what a crock. Send them a letter telling them that you have sent proof to them and if they don't correct their erroneous reporting to the credit burearus, you will file a suit against them for willfully and intentionally reporting false information to the bureaus. Tell them they have 30 days as required by law to correct their reporting. File a complaint with the FTC and your State department that regulates them. In your letter tell them you need their license number issued by the state allowing them to do collections. Take all of the information that you sent to them um-teen million times and make copies and send that with a dispute letter to all three credit reporting agencies, disute that you do not owe this and this is being reported in error. Send them certified as well as the one to JBC. Make sure you get return receipt. When you write your letter to them, at the bottom of the letter be sure to write: cc Federal Trade Commission State of Pennsylvania Attorney Generals Office Department of Commerce (something like.. Consumer Justice Center PA Do not sign your name to the letter, only type it. (They have been known to forge) I think that should get them off your back. If not, sue them. Also check the statute of limitations for your state. I know in Minnesota it is 6 years. Good Luck and keep us informed about what happens.
Jeni
Zion,#3Consumer Suggestion
Mon, October 18, 2004
You do not need to provide proof that the debt is not yours... JBC or the utility company have to provide proof that the debt is yours. Send them a letter disputing the debt and if they don't send you the proof within 30 days - they must cease any further collection activity. Don't be bullied by these people - and definitely don't pay them anything. A collection that is paid still shows as a black mark on your credit. If they cannot prove that this is your debt - they have to remove any reference of it from your credit report.
Jeni
Zion,#4Consumer Suggestion
Mon, October 18, 2004
You do not need to provide proof that the debt is not yours... JBC or the utility company have to provide proof that the debt is yours. Send them a letter disputing the debt and if they don't send you the proof within 30 days - they must cease any further collection activity. Don't be bullied by these people - and definitely don't pay them anything. A collection that is paid still shows as a black mark on your credit. If they cannot prove that this is your debt - they have to remove any reference of it from your credit report.
Jeni
Zion,#5Consumer Suggestion
Mon, October 18, 2004
You do not need to provide proof that the debt is not yours... JBC or the utility company have to provide proof that the debt is yours. Send them a letter disputing the debt and if they don't send you the proof within 30 days - they must cease any further collection activity. Don't be bullied by these people - and definitely don't pay them anything. A collection that is paid still shows as a black mark on your credit. If they cannot prove that this is your debt - they have to remove any reference of it from your credit report.
Jeni
Zion,#6Consumer Suggestion
Mon, October 18, 2004
You do not need to provide proof that the debt is not yours... JBC or the utility company have to provide proof that the debt is yours. Send them a letter disputing the debt and if they don't send you the proof within 30 days - they must cease any further collection activity. Don't be bullied by these people - and definitely don't pay them anything. A collection that is paid still shows as a black mark on your credit. If they cannot prove that this is your debt - they have to remove any reference of it from your credit report.