Steve
Bradenton,#2Consumer Suggestion
Mon, January 28, 2008
Marc, First of all, the collection notice itself is NOT illegal. No law has been broken. There is an established procedure in place for such disputes, which you need to follow. And, if you think the collection agency is going to just hand you $5000, you must be smoking crack. Furthermore, no one likes a "name dropper". We don't care who you know. Not relevent here. We don't care what your means are either. All you have to do is dispute the claim. Thats it. At this point they have to stop all collection activities until they validate the collection account. They need to prove that you recieved the product in question. They know this. As far as the reporting to the credit bureaus, you can sue them under the FCRA for an erroneous entry. If it actually lowered your score and caused you damages, you can sue for that under the FCRA.