Paula
Sandy,#2Consumer Comment
Tue, December 04, 2007
I am in Sandy, Oregon and have been dealing with Palisades for 2 years now... They have me connected to an AT&T wireless account. I have never had an AT&T account nor have I ever lived at the address they have on the debt. They have this "Paula Johnson" in Portland, Oregon. They want me to fill out a fraud packet, I dont believe it is fraud I feel they found me in the white pages. Their are many of us and I dont go by Paula Johnson on anything.. I always include my maiden name on legal forms. They cant supply me with a document that is signed by anyone either!! Paula
Holly
Portland,#3Author of original report
Fri, September 07, 2007
Haven't heard a peep from Palisades Collection since I sent them the letter requesting validation of the bogus debt. Experian did remove the mark from my credit report, though TransUnion is still "investigating". I would think the credit agencies would make it standard practice with these creeps to investigate a claim prior to dinging our credit reports.
John
Louisville,#4Consumer Comment
Tue, August 21, 2007
They have 30 days to respond or to erase the mark from my credit history. ============= Note: This 30-day rule applies to the credit bureaus like Equifax and TransUnion when you request validation. It's my understanding the collection agencies are not under this 30-day law and even if they were...Palisades Collection is such a sleazy bottom feeder that they would ignore it. FYI: It is important for you to understand that the credit bureaus do not necessarily care about the accuracy of what they report in your credit file....their FIRST priority is profit and they don't like to spend money and time investigating credit disputes which interfere with their profit making ability. Even if you did request a validation from the credit bureaus...companies like Palisades Collection might simply respond with a bogus one page printout with your name, account # and amount owed...and the credit bureaus might accept that as validation when it really isn't...they'll then send you a note stating the the debt was validated. If this happens to you....you're going to have to force the credit bureaus to do their job.