dallas01 Posted April 12, 2007 Report Share Posted April 12, 2007 This is from a utility company in Georgia. 243.00They sent me something with my SS # and my address that I was at and It looks like its from the City Of Canton Ga. The only thing is the only date on the past due is 3/12/04. Thats great but I moved to Dallas, Tx. June 2003. So how do I go about finding out what months they are charging me for? A water bill at 243.00 seems alittle high to me.Also here's the good part. They also sent me someone elses bill with thier SS number on it.Should I see if they are allowed to collect a debt in Texas? Any advice would be helpful. I don't mind paying if thats what I owe but it seems high and without good dates I can't see paying it.Also I paid a deposit for this and they don't show it. Link to comment Share on other sites More sharing options...
newbie7069 Posted April 13, 2007 Report Share Posted April 13, 2007 Is this listing on your CR from the actual electric co. themselves or is it a CA? Same question as to who sent you this stuff?I would not advise you to pay anything at this point. This is exactly what DV is for. What they have sent you in no way proves this debt is yours..........not to mention that they sent you someone else's bill!In your follow up letter to them, I would suggest you include copies of what they sent you. Point out that they sent you someone else's bill, and the alleged bill that they sent with your name on it was for a period of time when you did not live in GA. I wouldn't tell them when you moved, no need to give them information only to use to change their information and send it back to you Also state that no where on this bill indicates where your initial deposit was used to offset the final bill. Just clearly state that what they have sent you in no way proves this debt is yours and in fact points to the fact that they have the wrong person. Be nice but firm though since if they do finally find your correct bill you'd like to be able to work with them on a PFD. Link to comment Share on other sites More sharing options...
dallas01 Posted April 13, 2007 Author Report Share Posted April 13, 2007 its from a collection company. I disputed with eq, exp, tu Link to comment Share on other sites More sharing options...
newbie7069 Posted April 13, 2007 Report Share Posted April 13, 2007 So this is where the infamous 1-2 punch comes into play. If they verify the listings to the CRAs while having not validated the debt to you, I believe you have them on a violation. Watch to see if they mark the TLs as "disputed". Link to comment Share on other sites More sharing options...
dallas01 Posted April 13, 2007 Author Report Share Posted April 13, 2007 Maybe I wasn't being clear. I've only been at this for a couple weeks. So before finding this board I disputed with the Credit Bureau's for Verification of the debts. Maybe I messed up and should have done it the other way around.Anyway I'm sure anyone can look at my credit report that shows clearly another collection in Dallas before this date. Link to comment Share on other sites More sharing options...
acenstace Posted April 13, 2007 Report Share Posted April 13, 2007 no you have been doing things right you just need to add another step to the process.at the same time you want to dispute the debt with the cra's and validate the debt with the ca. that way if the cra's verify the debt and the ca doesn't you can dispute again with proof that the ca will not validate debt Link to comment Share on other sites More sharing options...
dallas01 Posted April 13, 2007 Author Report Share Posted April 13, 2007 Thanks for the info. I love this board and I'm so glad to have found it. I'm on a mission to get my credit good for the first time in my life.I'm thinking of calling and just asking for a pay for delete. Or maybe I'm going to wait the full 30 days and dispute it with the CRA'S on the grounds the statement they sent me was not even mine. I have a copy I can add to the letter also. Link to comment Share on other sites More sharing options...
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