Jenifer
portland,#2Consumer Suggestion
Thu, March 31, 2011
First off, Equifax will do NOTHING to help you with this, regardless of the fact that it is a bogus debt. I had the same bogus debt on my credit reports for $36 and it took Equifax all of 24 hours to verify it with the bottom feeders.
I know Steve says to not file complaints, but when a credit reporting agency is allowing fraudulent debts to remain on your report, you kinda have to let the AG of your state know.
I filed a complaint with the AG in my state as well as the BBB in the bottom feeders state (though I do know the BBB won't do anything, just wanted it noted). Within 3 weeks, I had an email from the AG with a letter attached from the bottom feeders to inform me they removed my information from their database as a 'courtesy' (gee, thanks, now that I have been denied two loans because of this fraud!), and would put in requests to remove it from all 3 bureaus. I plan on calling all 3 in the next week or two to confirm this has been done.
Good luck!!!!
Steve
Bradenton,#3Consumer Suggestion
Thu, March 31, 2011
Don't waste your time sending complaints to agencies / companies who have no jurisdiction.
NEVER speak to any third party debt collector aka "bottomfeeder". STAY OFF THE PHONE!! Telephone calls do not protect your rights under the law.
Communicate only in writing and only by certified mail, return reciept requested.Be sure to put the certified # in the body of the letter itself, and keep a copy for your records. Never sign anything you send a debt collector.
By the means above, send a dispute to each affected credit bureau. Keep it short.Just tell them that it is not your account, and that you have never done business with that company.Then inform them that you want copies of any correspondence and/or "confirmation" of said information.
Now, write a similar letter to the collection agency and DEMAND to see a signed contract where you agreed to this alleged debt. DEMAND a full account history and itemization of all charges. DO NOT sign the letter as your signature could end up on a "contract". Not uncommon at all.
Both parties here have 30 days from the time they recieve your certified request to comply fully. If they fail to comply, you must sue them under FDCPA and FCRA provisions.
Note that the FTC DOES NOT act on individual complaints, nor do they represent individual consumers. This is also true for the AG's Office. Your complaints to these agencies will only be kept for possible future action in a class action basis, and/or forwarded to other law enforcement agencies, etc.
The BBB has absolutely no power to make anyone do anything as they are not any sort of government agency. They are a for profit private business.
The bottom line here is that there is no agency, government or otherwise that will represent your interest in FDCPA or FCRA cases. The consumer has ONLY one option which is to sue at own expense.