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So here's my situation. Back in 2015 I was contacted by one JDB claiming that I owed about $700 in an old cable debt to a service provider I didn't have. I sent a debt validation and never heard anything more from them and assumed that they must have realized they had the wrong person. In March of 2016 I get a letter from Southwest Credit. Same account numbers as the other JDB letter (I saved the original) but the amount is no where near what the other company was asking for. I'm talking about half as much. So again I sent for validation and again I didn't hear anything back and nothing was showing on my credit so I figured I was done with them. Or so I thought. On friday I got a letter from Southwest containing the "information I requested" 10 months ago. Enclosed are what appear to be monthly statements from the cable provider they claim I owe to the address I currently live in from about 5 years ago. But there's some skeevy stuff with them. #1 the amounts listed on the statements don't match up anywhere with either amount either agency was saying that I owed. #2 the "Payment Due By" line just has "DUE NOW" instead of an actual date. and the real kicker #3 I did not have an account with this cable provider at this address. Of course now when I look it is on my credit report. So now I'm a little irritated. I have already been in touch with my actual service provider, and they have been very helpful in helping me get copies of my statements showing that they were the ones who were providing me the services claimed by the JDB at the time in question. My only problem is that I'm not quiet sure how best to tell Southwest this debt is fraudulent and to go pound sand. Do I call them out that no where on their forms does it show where they got the number quoted? Or do I send them the copies of my legitimate service bills showing there's no way that there was any service provided as they claim? Not to mention that 10 months is a little outside the standard 30 day response time. Thanks to anyone who can help me figure out my next move from here.
Last April I had moved and my AT&T internet wasn't working at my new address so I closed the account, paid the last bill, and sent the modem back. I checked my credit this week and my score has gone down 90 points because of a report from Southwest Credit Systems. I called and they said it's from AT&T. I asked what the account number was and she gave me a 9 digit number. I went on AT&T's website and saw that 1) my account number was 10 digits and different from the one she gave me and 2) it showed that I had paid my last bill 04/05/15 and had a zero balance. The chat with a CSR box popped up and I told the guy, Eric, what was going on. He seemed genuinely concerned and told me when the last bill and paid, that they had no right to report anything, and that he would escalate that matter to his supervisor, who would give me a call back the next day. It's been three days and no call. My concern is that Southwest had the last 4 digits of my social and that they knew the account had been closed in April- which leads me to believe that for some reason AT&T did send them my information. I just don't see why, if I owed AT&T money, they wouldn't call me or send me another bill before sending it to collections. I haven't called AT&T or Southwest Credit yet because I don't know how to go about this. All I know is that I need to get what Eric said in writing. I'm only 22 and had above average credit before this, and now I need to get a loan to go back to school so I need to get this fixed as soon as possible.