FixitNow Posted July 28, 2005 Report Share Posted July 28, 2005 I get an alert from Equifax that there is credit activity on my file. So I go look and (YEAH) a new collection account has appeared from Risk Management Alternative from ATT. So I called ATT and of course they have no knowledge of me ever even having a phone or that I have ever been a customer. I called RMA and they say I owe money on behalf of ATT.I am in the process of writing a dispute letter asking for itemized account, their license to do business in my state, etc...Can I ask for documentation that they have tried to send me mail or let me know if a debt was out there. I don't even remember having ATT (I don't think I did) but I would have certainly paid the bill. Isn't there a requirement saying they have to contact you giving you a time limit saying you must pay or we will report you to a credit bureau. Something before they just go ahead and list it on your credit report.Please help and let me know.Thanks Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 28, 2005 Report Share Posted July 28, 2005 No, they can report information at any time. I think they may be required to dun you afterwards or send you your 5 day notice.This is too easy, though.1-2 punch them.Get it in writing from ATT that you owe them nothing. Get it in writing from RMA that they are collecting for ATT. Sue them for false/misleading representation, misrepresenting the amount of a debt, reporting inaccurate info etc... Link to comment Share on other sites More sharing options...
Recommended Posts