How to send a letter if I have no address?

[barderspond]

Okay, so I see there's a collections listed on my CRAs from "Cach, LLC", and everything I've read about this dandy little outfit is BEWARE.

I plan to DV them, but nowhere on the credit reports does it list an address, and they have no offices in MN (I checked for license as well...none), and I do not recall seeing any letters from them...so...

How on earth do I send them a DV if I have no address to send it to? Should I just go to the collect america website and use whatever address they list there?

..and shouldn't the date of last activity on my report match the date is was assigned? Or at least, the date it went supposedly delinquent? Date of last activity is 2007 for a debt they claim is from 2005.

[MadinKS]

Apparently there owned by Collect America or something. Found this on Bud Hibbs. Hope it helps. Same addie on the BBB website.

http://www.budhibbs.com/coll_to_avoid_list.htm

http://data.denver.bbb.org/commonreport.html?bid=21000212

..and shouldn't the date of last activity on my report match the date is was assigned? Or at least, the date it went supposedly delinquent? Date of last activity is 2007 for a debt they claim is from 2005.

They should report the DOLA of the last activity, payment, etc. If that wasn't in 2007, you need to dispute that.

COLLECT AMERICA

CACV & CACH

(Separate Corporations, Subsidiaries)

370 17th Street, Suite 5000

Denver, CO 80202-3050

Ph: (303) 296-3345

Fax: (215) 281-7522

Phillip Scott Lowery Offices:

(Private Law Firm Owned by Collect America's CEO)

4500 Cherry Creek Drive South

Suite #700

Denver, CO 80246

Web Address: http://collectamerica.com/

Principles:

Phillip Scott Lowery

Brian L. Johnson (Financial Officer)

David L. Michael

James R. Wolf

[barderspond]

Thanks!!! I'm going to dispute as "not my account" first, then move on to specifics if I cannot get any traction that way. Fortunately, they're not on Equifax...seems everything I dispute with EQ only ends up getting worse.