kleep Posted March 26, 2009 Report Share Posted March 26, 2009 I've been working with one listing for a while now. I received nothing from the CA to start with - found it on my CRs. Disputed with CRs, verified. DV'd CA, nothing. Re-verified. Filed with BBB & FTC, received letter from CA giving a excel sheet of charges from a CC company (very generic - I can easily replicate). I responded that it wasn't mine and asked for original documents. No response. BBB & FTC basically said they couldn't help. I sent letter to the CC company requesting an investigation (they aren't listed on CR) - no response.I've sent multiple threatening letters to the CA - no response. I've sent letters offering to PFD for a lesser amount - no response.There is no date reported on my CRs, it doesn't update like most collections, but rather that I am 'paying late' (I've never made any payment) and reads more like a revolving or installment debt on which I'm deliquent.The problem is, I need this gone. Should I send yet another letter, another offer, or can I sue? I really don't want to pay a $1K+ debt that I don't owe - but it has to go. Have they actually validated or not? I'm really frustrated with this. Any advice is appreciated. Link to comment Share on other sites More sharing options...
astiman Posted March 26, 2009 Report Share Posted March 26, 2009 You said,"I've sent letters offering to PFD for a lesser amount "More than likely by doing this you have acknowledged that the alleged debt is yours, and have therefore lost most of your options. Link to comment Share on other sites More sharing options...
kleep Posted March 26, 2009 Author Report Share Posted March 26, 2009 I specifically stated that I did not feel that they have properly validated their claim and that in no way do I feel that this debt is mine. In my letter I explained my motivations as making a final attempt to settle their erroneous claim out of court.Since they have not responded, my question is - can I take them to court. Link to comment Share on other sites More sharing options...
1time2many Posted March 26, 2009 Report Share Posted March 26, 2009 Sure you can, but you better be 100% sure that it is not your debt or you could be paying out some dollars plus attny fees and cost. Link to comment Share on other sites More sharing options...
nascar Posted March 26, 2009 Report Share Posted March 26, 2009 I really don't want to pay a $1K+ debt that I don't oweThe first question that needs to be answered is, "Why is it that you don't owe the debt?" Link to comment Share on other sites More sharing options...
kleep Posted March 27, 2009 Author Report Share Posted March 27, 2009 Why don't I owe the debt? Because I've never heard of the CC company - and had to do a lot of research to find them. MCM I've heard of. Once, 5 years ago I had a CC go to collections and, not knowing what I know now, I paid them. Since then, they have 'claimed' that I've owed half a dozen "debts". Before now, they've gone away with a challenge - only once did I have to get the BBB involved and they immediately withdrew that one. I don't know why they're so stubborn about this one. I don't feel that it's identity theft since they are the only people involved and nothing else strange has happened to my credit. Personally, I feel that they think 'hey, she paid us once...'I just don't know what to do... Link to comment Share on other sites More sharing options...
JustaTexan Posted March 27, 2009 Report Share Posted March 27, 2009 You said,"I've sent letters offering to PFD for a lesser amount "More than likely by doing this you have acknowledged that the alleged debt is yours, and have therefore lost most of your options.I wouldn't say so as long as she put the appropriate language in her offer. Link to comment Share on other sites More sharing options...
KentWA Posted March 28, 2009 Report Share Posted March 28, 2009 Have you disputed the tradeline on the credit report? Their silence may be because they sold it off to someone else and the TL may not go away until you dispute with the CRA. Link to comment Share on other sites More sharing options...
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