Tammy
Lowville,#2Consumer Comment
Fri, November 28, 2003
Good going Nancy You are correct Nancy in not sending them one dime until they can provide validation. Whitewing and Camco are notorious for looking for people with good credit and then doing background scrubs on them (how else would she be able to know your addresses for the last twenty years? Credit reporting agencies only keep them on file for 10 years). So these companies do investigative searches on people with good credit scores looking for things they can use from the past to extort them. They are criminals. First of all, you can't be held liable for a debt because someone uses your SS number. That is total garbage. Second, this visa account is way past the statute of limitations so they can't even take you to court with it. If they do and you use the statute of limitations, they are out of luck. This outfit is a criminal organization. Many of the debts that they bought rights for cannot even be verified because they buy up old reports that are not accurate. They buy up accounts that have been included in bankruptcy. Send a cease and desist letter to their physical address certified mail, registered reciept. They cannot even enter this tradeline on your credit report since it is a really old debt. If they do, sue them under Federal Credit Reporting Acts for violations. Under the FCRA, you get $1000 per violation. Under the FDCPA you only get $1000.