Bad Collection Agency?!

Anonymous · ‎07-29-2007

I disputed a collections item on my credit, the collections agency sent me back info in the mail directing me to get a police report for identity theft. I didn’t dispute that someone stole my identity…I disputed the account…that its not mine…. I contacted the original creditor and they don’t have anything on file that the account belongs to me. I believe the CA knows this and is trying to get me to do unnecessary things to discourage me from moving forward with my dispute.

My understanding is that once you dispute and ask them to verify the debt they claim you owe they are to respond to you with that information…not asking me to get a police report.

I know they know the account isn’t mine because a week after I sent my letter they sent me mail asking me to pay 50% of the balance.

Is the CA handling this correctly?

sunnyday · ‎07-29-2007

Did the CRA tell you that they can't investigate or will not investigate, or you just assuming that they are not because they recommended you fill out a police report? Which credit bureau? What is the collection agency? How old is the debt?

Anonymous · ‎07-29-2007

If all these bad accounts are because of Identity Theft I would go ahead and file a Police Report and ID Theft Affidavit. It could save your butt in the future.

Anonymous · ‎07-29-2007

Bettercredit,

What is the DOFD for this debt that the CA wants to collect for.

If you are past your SOL send then a DV CMRRR.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=4328

add to it:

Send complete documentation including signiture and complete history!

If you do not know state SOL:

http://www.fair-debt-collection.com/SOL-by-State.html#7

Be ready with next CMRRR if you do not receive proper info. or do not hear from them within 30 days.

DO NOT talk to them on the phone!

Anonymous · ‎07-29-2007

Sounds to me like they are just trying to NOT provide DV. You never mentioned in your OP that you requested DV based on Identity Theft so I'm not sure why they would ASSUME, unless they just don't want to provide the documents. Keep after them and send a second DV, see what happens - let us know too, who is the CA?