Hi guys! I have worked to bring my credit back to decency and have had a successful journey, but just received a call that really has me reeling.
Today someone from Central Asset Bureau called, claiming they were representing a company called Republic Finance. They claimed that in 2007 I took out a loan with this company and closed the account without paying them back. They also have a claim of trying to defraud them and a list of others. The total amount was $1100, but they claimed that in 2007 they tried to settle with me for $784.
Here's the issue - I HAVE NO CLUE what this is or what they're talking about. When I kept asking this representative to provide me with information so that I can know what the heck she's talking about, she became very rude. She claimed that she would just have to re-route the paperwork to my last known place of employment or my new address, which I did not give out to her. I calmly tried to ask her for more information, and she kept being rude and overtalking me.
The strangest thing – she was able to give me the first 5 of my social, and she did have my old address (I bought a new home and moved in November), but for the life of me, I do not recall ever doing business with any bank called Republic Finance, much less defaulting on a loan!
I asked her to provide me with the information so I can contact the company. She told me she couldn’t because I could use it to hold against them in court (no clue what that means). She then asked if I wanted to just settle today and I said absolutely not. So she immediately got snippy and said that she was submitting as a refusal and that the paperwork/subpoena will be re-routed to my last know place of employment and home, and that I can dispute in front of a judge. I told her that all I was doing was wanting some type of account number or verification – and her response was ‘good luck in court’ and she hung up.
I am fuming, but nervous. Has someone gotten ahold of my information and taken out a loan that I didn’t know about? That seems impossible because in all honesty, in 2007 my credit shouldn’t have allowed a loan to be taken out. Secondly, is a false judgement going to be placed on my credit file after all of my hard work??
Can anyone suggest my next steps? I truly don’t think this is mine and have never encountered an agency that was legit that was so rude and unhelpful.
