Fair collections & Outsourcing

[Anonymous]

I'm confused. As you can see, I am a new poster. I have verification from them and their records, though years late do match the ones I received from the apartment complex. I just want to pay it and have it deleted. Please advise.

[Anonymous]

It's 1K per violation PLUS legal fees

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iamrayl wrote:
It's a waste of time contacting these people. I had to write them a threatening letter last week about a non PP on my EX file. I'm out of the country now so I don't know if they responded, before I left I also wrote EX about the inquiry. They contacted me in Feb. with a bill for 175 from my old apt. complex. So I wrote them back asking what this was about, they wrote back at the end of March with a bill for dry wall repairs and I had all intentions to pay it because I knew that I had damaged the dry wall while I was trying to get my tv wall mount out, on Apr. 1 they made an inquiry on my EX file, and I only noticed this after I had paid them one wk later. I wrote them a letter at the beginning of May and they responded with a 0 balance letter, not even addressing the issue of the non PP inquiry. I made the mistake of calling them to inquire about it and the guy started getting rude, and I ended up cussing him out. I wrote them a nasty threatening letter last week, i used the non PP letter from these forums, so let's see what happens. One way or the other that inquiry will have to be removed from my EX file because they did not have any authorization to inquire on my file. If I could get more than 1K from suing them, I would pursue a lawsuit but it's not worth it for 1K. Legal fees would be more than that. But good luck to you folks, these guys are aholes!

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[Anonymous]

I have an account with these people also. I'm going to offer them a PFD. Please update if anyone is successful with these people

[Anonymous]

This CA first sent me a "Credit Bureau Reporting Notice" indicating the debt and that they would be reporting to the bureaus within 90 days.

Two weeks later I sent them a registered receipt letter indicating that the debt was in dispute. Rather than send me Verification of the Debt, they immediately reported Collection Notices to all 3 bureaus indicating "Debt disputed by Consumer".

Per the terms of the Fair Debt Collection Practices act, weren't they supposed to first send Verification of the Debt before reporting it to the bureaus, especially since I sent them a Dispute letter only two weeks after receiving their first letter/notice?

In fact, it wasn't until 3 months later that I finally received a Verification of the Debt letter from them. I've since written them 3 letters indicating that they violated the Fair Debt Collection act and all they keep sending me are Verification of the Debt letters.

Do I have any legal recourse against them?

[Anonymous]

I also just received a bill from these people, for a disputed account that is over seven years old. Nor have I once received a bill in that amount of time.  In fact, this was a matter where I was released from any obligation to pay the rental organization, since we both signed a legal document to this effect. How do I report this bogus organization? I sent them a letter via email, but now think I should send a copy overnight mail with signature. Would like to hear from others. DNCM

[Anonymous]

I'd thought they had to stop all collection attempts unless they could validate the debt. Shouldn't you be able to sue them for $500 (per violation) in accordance with the FDCPA?

[Anonymous]

I have a paid bolections with them ( prior to knowing about the help here!) I tried a GW letter but all they did was send me a letter validation the fact it was showing as paid on my credit report. My question is they did several hard inquires on my credit report. I have seen conflicting opinions on if this is a PP. Does anyone have an opinion? I'm hoping to get some leverage to have it deleted.

Thanks!