Being sued for a debt I don't see on my credit report?

[Anonymous]

I just spoke with Mary Jane Elliot lawfirm today representing Jefferson Capital and Salute Gold card.  They are threatening to sue me over a debt that is not on my credit report (I've checked both TransUnion and Experian).  Not sure what I do?  Any advice is helpful.  I've spent the last few years building my credit and have a great score now.  I monitor it monthly and don't want it damaged.  Looking for some help, thanks!

[traveler2005]

---

@Anonymous wrote:

I just spoke with Mary Jane Elliot lawfirm today representing Jefferson Capital and Salute Gold card.  They are threatening to sue me over a debt that is not on my credit report (I've checked both TransUnion and Experian).  Not sure what I do?  Any advice is helpful.  I've spent the last few years building my credit and have a great score now.  I monitor it monthly and don't want it damaged.  Looking for some help, thanks!

---

When did you have the card? Is it past the SOL?
This card is covered under the FTC ruling. I will send you the letter I wrote to the CA that tried to collect on the salute card I had, it was deleted from my reports within 5 days. 

[Anonymous]

I believe it was opened in 2007 and closed in 2009 or 2010.  I've moved a few times since then and don't have any documentation, plus I can't find it on my credit report.  I appreciate your help.  My state's SOL is 6 years (Michigan) but I moved to Illinois after I opened it and moved back to MI about 3 years ago. 

[traveler2005]

---

@Anonymous wrote:

I believe it was opened in 2007 and closed in 2009 or 2010.  I've moved a few times since then and don't have any documentation, plus I can't find it on my credit report.  I appreciate your help.  My state's SOL is 6 years (Michigan) but I moved to Illinois after I opened it and moved back to MI about 3 years ago. 

---

Sent you a PM

[takeshi74]

---

@Anonymous wrote:

They are threatening to sue me over a debt that is not on my credit report (I've checked both TransUnion and Experian).

---

Your reports aren't really irrelevant.  A debt that isn't on your reports doesn't just cease to exist.

[pizzadude]

A lot of CAs masquerade as "law firms" to scare people into sending money.  If they've sent you something in writing that's another story, but I wouldn't worry too much about these types of threats over the phone.    Also it happens to be a violation of the FDCPA when CAs threaten you with a lawsuit like this.

[pizzadude]

Moving to Rebuilding forum

[Anonymous]

Aren't really relevant or aren't really irrelevant? I understand they are not the be all, end all, but I want more information about this supposed debt.  Should I send them a DV request? 

[Burned2manybridgesB4]

---

@traveler2005 wrote:

---

@Anonymous wrote:

I just spoke with Mary Jane Elliot lawfirm today representing Jefferson Capital and Salute Gold card.  They are threatening to sue me over a debt that is not on my credit report (I've checked both TransUnion and Experian).  Not sure what I do?  Any advice is helpful.  I've spent the last few years building my credit and have a great score now.  I monitor it monthly and don't want it damaged.  Looking for some help, thanks!

---

When did you have the card? Is it past the SOL?
This card is covered under the FTC ruling. I will send you the letter I wrote to the CA that tried to collect on the salute card I had, it was deleted from my reports within 5 days. 

---

+1

OP, google "compucredit ftc," and since your account was opened prior to Dec '08, most assuredly you're covered by the FTC ruling.

[kmoeller]

I filed a complaint against Jefferson Capital with the BBB. 4 days lagter Jefferson responded that they disagreed with me, but as a courtesy they would stop all collections and remove the account from all three Credit reporting agencies.